Commercial Insurance for Trucks

Whether you own one truck that delivers goods to the local area or you have a fleet that distributes supplies throughout the country, you’ll need to have those trucks protected with commercial insurance. Driving a delivery truck or semi-tractor trailer can introduce a variety of dangers to other vehicles on the road. If one of your drivers causes an accident, you should have the appropriate amount of insurance to cover the cost of medical bills, lawyer’s fees, vehicle repairs, and other costly incidentals.

Where Should You Start?

When shopping around for commercial truck insurance, start with independent insurance agents like JC Demo Insurance Group in Matthews, NC. Their professional agents can help provide you with a variety of carriers and insurance options. As experts, they can offer you advice based on your company’s needs, driving radius, and the number of trucks you own.

Types of Coverage

  • General Liability Insurance – protects you from liability claims that may include bodily injury and property damage as a result of an accident.
  • Physical Damage – gives you protection against damages that you may incur because of a collision, theft, or vandalism.
  • Cargo Coverage – protects the cargo you’re hauling that may be damaged or stolen.
  • Non-Trucking Liability – protects you when the driver is operating the truck for personal use.

How Much Coverage Do You Need?

According to the North Carolina Division of Motor Vehicles, businesses must have a specified amount of liability insurance for their trucks depending on their weight. If your commercial truck hauls non-hazardous materials and weights 10,000 or more pounds, then you must maintain a minimum liability of $750,000.

It is important to know what type of coverage you will need for your commercial vehicles. Contact the independent insurance agents in Matthews, NC at JC Demo Insurance Group today to receive information concerning commercial truck policies.

The history of Life Insurance

JC Demo Insurance Group  serving Matthews, NC is proud of its lineage serving the community with Life Insurance. Life insurance is something everyone knows about, some even feel you have to die to win. But Life Insurance isn’t a modern idea.

The rudiments of insurance go back to ancient history. If one family’s house gets destroyed, the neighbors are commit rebuild it. When a woman was widowed with children, the unmarried men in her husband’s family were bound by honor to marry and protect her

The first methods of transferring  risk and compensation in a monetary fashion occurred in the 3rd millennia BC by Chinese and Babylonian. Ancient Persia annual gifts from the various ethnic groups were given to the Persian monarchs to ensure protection and physical safety.

In 600 BC, he Greeks and Romans introduced the roots of health and life insurance by creating guilds called "benevolent societies." These guild cared for the families of deceased members. In Genoa in the 14th century, there were insurance pools backed by pledges of landed estates. In the early 19th century, Insurance became more complex and started setting the tone for insurance as investment.

In Colonial America in 1732, the first insurance company began in Charles Town (modern-day Charleston), South Carolina in 1732. Benjamin Franklin counseled that the  standard the practice of insurance should be adopted. 

So, over the years, various kinds of property and life insurance have ebbed and flowed in the history of man, for the protection of the living. You don’t have to die to win. Now with some of the more modern versions of life insurance, there can even be an investment arm.

Come in and see the folks at JC Demo Insurance Group  serving Matthews, NC