Your business in Matthews, NC is one of your most valuable assets. Why wouldn’t you want to have the best protection to prevent it from enduring financial turmoil? A commercial insurance plan is the best way to prepare for the unexpected. JC Demo Insurance Group can help you create an indemnity plan that is tailor-made to meet the unique needs of your company. Read on to learn about the three signs of a good commercial insurance plan. 

Sign #1: The policy covers income loss

You never know when an unexpected power outage will close your business for a day. A good insurance plan helps you prepare for such an occurrence by offering business income loss coverage. This indemnity option pays you for the sales you would have gained were it not for the unforeseen event closing your store. 

Business income loss is a good idea even when working from home. It only takes one bad Internet connection to thwart your workday. 

Sign #2: Natural disasters are included

A standard disaster in Matthews, NC is not included in a standard commercial insurance plan. You need to purchase additional coverage if you want to receive compensation for damage and loss related to flooding and fires caused by Mother Nature. 

Sign #3: General liability coverage is strong

Some entrepreneurs purchase just enough general liability coverage to satisfy the norm. You do yourself no favors by taking the cheap route when it comes to general liability insurance, though. It only takes one customer falling over one of your displays to cause significant financial hardship. 

It is important to note that not all commercial insurance plans are equal. Some business owners have employees and, thus, require workers compensation coverage. Other entrepreneurs are mobile services and, as such, require commercial auto insurance. 

An agent at JC Demo Insurance Group can help you find a commercial indemnity plan that best suits your company’s needs. Call them today to get started with a quote.

Death is not the most comfortable topic to discuss, but at times it is necessary. For those with dependents who count on you as their sole financial mode of support, you’ll need to get a life insurance policy. Purchasing a policy is easy in Matthews, NC. The agents at JC Demo Insurance Group can help you discover the amount of coverage you will need.

Life insurance is mainly about taking care of your family after you’re gone. How much you need will be based on your assets and the amount of debt you owe. For example, if you’re the primary breadwinner and you have an outstanding mortgage, auto loans, and credit card debt, you’ll need enough coverage to pay for all of those items, in addition to the funeral, burial, or cremation costs.

You should also consider any young children in your household. Do you need to provide for them for the rest of their lives? Not necessarily. If you can afford to do so, then yes, but otherwise they’ll need enough to get by on for a few months or maybe even a year. Think about it this way. If someone close to you died and you suddenly inherited all of their debt at once, you would feel completely overwhelmed. If that person had enough life insurance coverage to manage their debt, then you would not feel as though their death was a burden.

Talk it over with your insurance agent to find out exactly how much life insurance you need. At the JC Demo Insurance Group in Matthews, NC, their agents can help you get what you’re looking for so that you don’t have to worry about your family’s future. While you’re there you can also look into getting home, auto, or business insurance too.