1. Insurance for Small Businesses:
Know Yours Risks and be Protected!
What you will
learn:
 Basic types of insurance coverage.
 How to determine the best type of in-
surance.
 Major types of insurance coverage.
 What your agent should provide you.
 Legal considerations on choosing your
coverage.
 How to determine the best legal struc-
ture for your business.
 Common personnel issues—Employee
vs. contractor.
 Government regulations, and which
ones affect your business.
Presenters:
When: Tuesday, November 1 Debbie Goines has been in the insurance
industry for the past 25 years. She is em-
ployed by BB&T Insurance Services as a
Business Insurance Agent, specializing in
helping businesses of all sizes with their
Time: 6:00 p.m. business insurance needs. BB&T Insurance
Services is a full-service agency providing
personal lines insurance, life, disability and
Employee Benefits.
Location: Crystal Coast Civic Center, M. Douglas “Doug” Goines obtained his
Bachelor’s of Science Degree in Business
Rm. 3 Administration from the University of North
Carolina at Chapel Hill, Chapel Hill, NC in
1969. He earned his Master’s Degree in
Business Administration from the University
of Georgia, Athens, GA in 1972. He ob-
tained is Juris Doctorate Degree, Cum Laude,
from Wake Forest University, Winston Sa-
lem, NC in 1975 and has been engaged in the
Pre-Registration Required! practice of law since then. His practice em-
phasizes business and commercial trans-
Call the Corporate and Community
actions, real estate, and wills and estates.
Education Division at
222-6200