Different areas of the city are more susceptible to potential property damage and loss. Property loss can range from theft to damage in a storm to more standard wear and tear due to the natural elements. To understand what sort of risk your business is in, performing an audit for your business address’ potential for property loss is a must. This way, you can properly assess your insurance coverage needs. From conducting your own research to receiving assistance in the process, JC Demo Insurance Group services the greater Charlotte area, so you can receive a complete understanding of what might take place in your business area and what to do in the event of property loss. 

There are different kinds of insurance options available to you. The insurance coverage offered by JC Demo Insurance Group can include property insurance, coverage that protects against theft, flood insurance. Other options include a BOP, or Business Owner’s Policy. This can cover everything inside of the business, ranging from computers to stacks of supplies. This way, if anything is stolen or damaged, you have the ability to claim the loss with this insurance coverage. 

Another element to consider is property loss or damage to company vehicles. Some areas in Charlotte are more prone to vehicle break-ins. While you can improve your chances of not being on the receiving end of such a break in, it is necessary to look at all of the different commercial auto insurance packages offered. This way, you can protect your entire business, especially after auditing the business address and finding out what is more likely to happen and what occurs on a regular basis in the area. For auditing and insurance needs, JC Demo Insurance Group is there to help. 

There is no reason to try and get Insurance on your own. Independent insurance agents know how to help you find the right policy. They will navigate through the different insurance companies on your behalf. They don’t work for a specific company and therefore can tell you which companies have the best deals. It can be difficult to compare policies, though they will do so for you, making it easier for you to purchase a policy with confidence.

Ultimately, you need to have an advocate who is looking out for you and your needs. It is difficult to get this on the Internet because you are left to your own devices. Insurance companies may make recommendations, but you don’t know whether it is best for them or best for you.

Insurance agents want to do right by you. They also have the knowledge to help you every step of the way. They know all about the different companies, the coverage levels, and where the best discounts are. This all works to your advantage because you can be comfortable knowing that you are choosing the best policy.

It can be dangerous to enter the insurance industry on your own because you simply don’t know what you are getting. You could be getting coverage that is not sufficient enough, which could cost you a lot of money out-of-pocket if there is ever a problem with your car, house, or anything else.

Insurance agents play an important role, and they have been around for a long time, regardless of what “experts” say. Agents are constantly on the forefront of trends, helping their customers.

Call and talk to our independent insurance agents today and JC Demo Insurance Group. Our agents can guide you into the best policies in Matthews, North Carolina and save you money with comparison quotes.

 

 

For those who are thinking about investing in life insurance, it is imperative to review all of the available policies. And while millions of policies are available, it becomes much simpler to narrow down the most appropriate ones by speaking with a qualified agent. Depending on your current and predicted future circumstances, you will be able to find a policy that both meets your needs and is affordable. While in the process of buying a life insurance plan, make sure you don’t fall for these myths. 

Myth #1: Term life insurance is better than whole life insurance

In all actuality, more whole life insurance policies pay out than term plans; however, for many people, a term life insurance plan is the best one to invest in because of their specific life insurance needs. If you are in need of life insurance only for a predetermined number of years, then a term life insurance policy will be best for you. If you know that you need a life insurance policy to pay out no matter when you become deceased, then perhaps a whole life insurance plan will work better. 

Myth #2: Life insurance costs too much money

The premiums that you pay for life insurance will be influenced by many factors, including your health; however, keep in mind that no matter your pre-existing conditions, life insurance is still available, and most people find that the younger they are when they purchase a policy, the more affordable their rates are. 

To learn more about life insurance in Matthews, contact JC Demo Insurance Group today.

Getting married is big news, and there are lots of people to tell. One of the people you should be sure to share the good news with is your insurance agent. You’ll have to update your information with them, and they may be able to find you discounts after your wedding.

Insurance Companies Need Your Updated Information

It’s important to update your information with insurance companies soon after you’re married. Insurers need to know if your name, address, or other personal information change for two reasons. First, they need to know how to contact you. Second, your policies are legal documents and need to be filled out accurately.

You can easily notify your insurer of any changed information by contacting your insurance agent. They’ll know what changes in your personal information are important, and they can update documents as needed.

Insurance Agents Might Find You Discounts

When speaking with an insurance, you might learn that you qualify for new discounts now that you’re married. Insurers offer many different types of discounts. When your situation in life changes, which ones you qualify for may change. For instance, after you’re married, your agent might be able to get you and your spouse a multi-policy discount. Sometimes, it’s difficult to know which discounts you qualify for, which is another reason why you should talk to an agent after getting married.

If you live in Matthews, NC and are recently married, feel free to contact our independent insurance agents. At JC Demo Insurance Group, we have multiple agents who are licensed in North Carolina, and can help you update your documents and search for new insurance discounts. To talk with one of them, contact us through our agency’s website.

 

Matthews, NC is a great place to live. However, during the summer it’s going to be hot and you want to make sure that your pet is well cared for. There are a few tips to make the summer more enjoyable for your pet, regardless of whether you have a dog, cat, or a few of each.

Your dog or cat is not too different from you. You want to be well hydrated during the summer months, and you don’t want to walk around on hot concrete because it hurts your feet. Remember this for your pets, too.

• Give them access to plenty of water
• Look for signs of overheating
• Don’t bring them out during the hottest parts of the day
• Cover their paws when walking them on the pavement

There are other things that you want to look out for with your pet in the summer and it has nothing to do with the heat. There are a lot of bugs out and some of these are known for carrying various parasites. Mosquitoes transmit heartworm while fleas and ticks can transmit Lyme disease and various other diseases. Talk to your vet about preventative medication so that you don’t have to worry about any of these issues.

If you plan on doing lots of things with your pet, be sure that they are protected. This includes going out on a boat. Your pet may know how to swim, but it is better to err on the side of caution and invest in a life vest that fits properly.

At JC Demo Insurance Group, we look forward to helping you find quality homeowners insurance. Call us today and let us begin searching for quotes to help you find an affordable policy in Matthews, North Carolina.

 

 

Commercial auto insurance policies sometimes cost more than personal ones.  For many companies in Matthews, NC, a personal policy doesn’t provide enough coverage. Businesses typically need to carry a commercial one. Here’s why, along with how to find a commercial policy that isn’t too much more than a personal auto policy.

Why Businesses Need Commercial Auto Insurance

Companies should a carry commercial auto insurance policy, because they need the enhanced coverage that such a policy offers. Commercial auto insurance is required for:

• vehicles that are owned by a company and not an individual
• trucks that carry a commercial license
• vehicles that need higher liability limits than personal policies usually offer

If any of these describe your company, then your business needs a commercial policy. This is the only way to insure a vehicle in your company name. It lets you insure any type of vehicle, including trucks that are larger than a pickup truck, at extremely high limits, should you need to carry such coverage.

How You Can Find Affordable Commercial Auto Insurance

Because commercial auto insurance often provides better coverage than the average personal policy, commercial coverage often costs a little more. At JC Demo Insurance Group, Inc., we can help you keep your premiums low, even when you purchase a commercial policy.  

Our independent agents will pull quotes from every company offering commercial coverage in Matthews, NC, and we’ll show you them side-by-side. With the help of an experienced, independent agent who works for you, not one of the insurers, you’ll be able to understand and compare each policy’s coverage and premiums. Then, you can select the best choice for your company. To get started, give us a call today.

 

The slogan of Mint Hill, NC promotes it is as “A great place to live, work and play.” Who can argue? It was named 13^th on the list of 50 safest cities in North Carolina. Wilgrove Park is a terrific place to enjoy the outdoors, and events like “Mint Hill Madness” bring us together. There are also facilities like the Mint Hill Fine Arts Center that many have yet to discover.

We are an independent insurance agency serving Mint Hill. We can help you discover discounts on your insurance you may not be aware of, like life insurance. While age plays a large part in the price of life insurance, there are factors you can control that may earn you a discount. If you stop using tobacco products, for example, your life insurance could be cheaper. Keeping your weight down may save you money. Some companies offer discounts to those with safe driving records. You can also save by paying your premiums annually or by signing up for electronic payments.

The best way to save may be by comparing. As independent agents we can compare life insurance premiums from multiple companies. This gives you the opportunity to not only choose the company and coverage that is best for you, but also the premium that is most favorable.

If you live in the Mint Hill area, we invite you to get an auto or homeowners insurance quote online at our website. It is easy and convenient. For life and other insurance products, contact us at our office. We work hard to get you the coverage you need at the best possible prices, including any discounts you qualify for. Let’s find out all the ways you can save on your life insurance coverage. Call us today!

With the rapidly increasing population of Monroe, NC in the past 10-15 years, many businesses here have enjoyed significant growth. Homes have been built, businesses opened, and infrastructure improved. It has been an exciting time for this area, and not one without it challenges.

It has been nice to witness this growth, especially when other areas of the country have not fared so well. It stresses the importance of doing business locally. This doesn’t just mean consumers either. Sure we all want our businesses filled with locals supporting our companies, but as businesses we can benefit from supporting each other as well.

It’s why we encourage individuals and businesses to do the lion’s share of your business locally. As we grow as a community, we can all participate in that growth. Working with local businesses doesn’t necessarily mean paying more. Many of our commercial business insurance customers have discovered that.

We are a local insurance broker that is an independent agency. As such, we have access to multiple commercial insurance providers. This allows us to compare rates, and get the best coverage at the best rates. This has proven to be very valuable for the local businesses we serve.

Another thing to keep in mind is that as a business grows, their needs for commercial insurance can change. Some coverage may no longer be adequate to fully protect that growing business. This is another advantage of dealing with a company that serves the local area. We can be more responsive and personal in our service.

If you own a business in the Monroe area, we would appreciate a chance to earn your business. It can start by comparing your personal homeowners or auto rates right online at our website. If you like what you see, we can discuss your business insurance.

Let us know how we can help. Contact us soon and let’s keep it local.

North Carolina is full of beautiful homes and gorgeous lawns. For most of these yards, that lush, green grass couldn't be achieved and maintained without landscapers. Therefore, this may be a good business to have in North Carolina, even if there is some competition. Whether you have had a landscaping business for some time or considering a start-up, it is important that you have professional liability insurance.

When Might Liability Insurance Come in Handy?

In order to fully understand how liability insurance can help you out of a sticky situation, let's look at an example. Let's say that you were contracted by a regular customer to install some outdoor landscape lighting. Unfortunately, you were booked and they needed it by the end of the week for a big weekend gathering. You hire a friend of yours who has worked with you in the past to help out. The work turns out excellent.

Sadly, one of the party guests gets injured because one of the wires was not buried appropriately and they tripped and fell. The customer says you are responsible and wants you to pay. If you don't have liability insurance, then this type of situation could literally derail your business. However, liability insurance can help you pay for legal fees as well as court settlements.

Don't Put Your Company at Risk

If you aren't covered, then your business is at serious risk. Take the time to consult with one of our local independent insurance agents to discuss what insurance needs your business in North Carolina has. Our commercial insurance agents are here to help you in every way possible to ensure that your landscaping business stays on track with the right type and amount of business coverage.

Throughout Matthews, North Carolina, you have the best of both worlds. The town is quiet enough to enjoy the small town feel. However, you are close enough to Charlotte to enjoy the bustling city life whenever you wish.

When you begin to shop for life insurance, it’s important to know what to look for. There is a lot of terminology and it can become confusing. There’s term life, whole life, and universal life. Some have monetary amounts attached to them and some you have to determine how long you wish to purchase insurance for.

You want the best for your family in the 28105 zip code and therefore it’s not a decision you can make quickly. We have some of the best agents and this makes it easy to learn about all of your options. We can walk you through such decisions as:

– The type of insurance to buy

– The level of monetary award

– The term

There are decisions to make to buy life insurance in Matthews, North Carolina. We have some of the best agents to talk you through the process and help you with the decisions. We can also make comparisons between the various life insurance companies.

Ultimately, when you obtain life insurance in the 28105 area, you want to make sure you have enough value to your life insurance that your family is protected when you ultimately die. What could provide financial sustenance now may not be enough 10 or 20 years from now and that’s why the best agents should work with you throughout the process.

Call us today and let one of our life insurance agents talk to you about a policy that is affordable and will provide coverage for you and your family in the event that you pass away.