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.

Insurance coverage exists for many situations that would otherwise result in significant financial impact for an individual or a business. Instead of being driven to bankruptcy, you have insurance cover the legal fees and costs associated with a liability lawsuit. This works for at-fault accidents you cause driving, people getting injured or killed on your property, and harm caused by products you sell as a business.

Insurance can also help mitigate the long lasting damage that comes from theft, fire, loss, and other natural disasters. For personal insurance, you can get the contents of your home or apartment replaced or repaired. This helps you with rebuilding your life after a major disaster, so you aren’t paying for clothes, furniture, and other valuable assets out of pocket. For a business, not only does this type of insurance cover replacement costs, but it also insures the cash flow of the business while they are unable to operate.

When you set up an insurance policy, you choose your coverage level, the perils that are named in the policy, and your deductible. The monthly premium that you pay for your insurance depends on the amount of total coverage you have, whether you have a low or high deductible, and the range of coverage on the policy. You may be able to get a discount on your insurance if you have multiple policies with the same company.

Need help figuring out what insurance policies work best for your life? At our insurance company in Charlotte, NC we offer a free online quote system that helps you to understand exactly what you need, how much coverage you need, and how much it ends up costing you on a monthly basis.

Your business couldn’t be doing better, but you have an unfortunate situation where someone tripped and fell in your retail storefront. You don’t think it’s the biggest deal in the world at first, but they sue and you didn’t look into liability coverage for your business. Instead of putting all of your energy into your business, you’re in court day in and day out, looking at mounting legal expenses as you attempt to defend yourself in court and reach a fair settlement. You can avoid the massive financial hit that comes from lawsuits by looking into NC commercial insurance.

While liability is the primary reason to pick up commercial insurance, the benefits don’t end there. You can also get protection for situations that result in you being unable to conduct business normally, due to damage to your property or essential equipment. This is called loss of use insurance, and it helps to get you past unexpected disasters without having to shut your doors.

Another type of beneficial NC commercial insurance policy involves providing your vehicles with commercial coverage. This ups your coverage limits and protects any business equipment contained within the vehicles, instead of dealing with much lower limits on personal auto insurance policies. If you use many vehicles for your business, you can bring down the cost even further with fleet insurance.

Commercial insurance is designed to protect the business against any major problems that would blindside someone without financial protection. Talk to our independent agents in Charlotte, North Carolina to find out what NC commercial insurance options are appropriate for your business, budget, and way of life.

North Carolina is a wonderland for boating, whether you enjoy going on the endless lakes, rivers, and streams that dot the state, or you want to head to the Atlantic Ocean and avail yourself of all the ocean front you can get your boat to. Boat insurance is not required in North Carolina, but it is highly recommended when you consider all of the benefits that come from holding it.

The first is that if you have an expensive boat, you’re not going to want to pay out of pocket for repairs. This is especially true if someone else hits your boat with their boat, jetski, or other water vehicle. It’s likely they don’t have insurance, so you are going to have to deal with the medical bills and property damage yourself.

Another thing to keep in mind is what happens if your boat gets damaged while it’s in storage. While you may think that either auto insurance or homeowners insurance will keep you safe, it’s just as likely that the insurance companies may refuse to pay for damages to the boat while it’s on the property. You can get around this by keeping your boat docked at a marina, which holds its own insurance, but it’s better to be in control of what happens if your boat gets damaged or is involved in an accident.

Get free online boat insurance quotes for the Matthews, NC area from independent agents who work hard to get you the best insurance pricing around. They work with multiple insurance companies, so you get several quotes and coverage options that give you plenty of choices.

Your RV coverage in Huntersville, NC is multi-faceted and will provide protection for nearly all circumstances in which your Recreational Vehicle might be damaged or destroyed. This article will tell you more about the benefits of RV coverage through your local independent agent.

• Protection of Personal Belongings: This coverage amount can be determined on an individual basis so that all of your personal belongings are insured for their full purchase price. Keep a record of what you pay for new items in your Recreational Vehicle and always make sure that the new items are covered within the total amount of coverage you have purchased. You can always purchase additional coverage if needed.
• Protection of the RV: If your RV is stolen and cannot be recovered, your RV coverage will be there to pay for a replacement vehicle. Most policies will pay for a comparable RV to replace the one you lost.
• One Insurance Policy For All Vehicles: If you insure your RV through the same company that provides your auto insurance, you will typically be eligible for a multi vehicle discount that will give you a percentage off the total cost. You also have the advantage of paying one single bill for all your vehicle insurance every month.
• Storage Option: Another unique benefit of RV insurance is the storage option. Since many people use their RVs for only part of the year, your insurance company will typically provide a storage option that allows you to temporarily suspend your coverage when you’re not on the road. You can start it up again seamlessly when you’re ready to get behind the wheel again.

It’s easy to find the best RV insurance coverage for your budget by comparing insurance quotes with JC Demo Insurance Group online in minutes. Check out our website or give us a call anytime!