Most business owners have a strong interest in protecting their business and its assets. This type of protection usually comes in the form of commercial insurance. Fortunately, business owners have the option to invest in insurance coverage that protects their business and its assets, regardless of the size. Our JC Demo Insurance Group team is invested in helping Matthews, NC business owners get the commercial insurance they need. 

What is Commercial Insurance?

Commercial or business insurance is designed to financially protect your business, regardless of its size, from a wide variety of situations and circumstances. Commercial insurance protects your business from risks like lawsuits, customer/employee injuries, property damage, theft, and a wide variety of unforeseen situations. 

Are there Eligibility Requirements for Commercial Insurance?

As a business owner, you don’t have to own a particular size business to be eligible for business or commercial insurance. Any business owner can invest in commercial insurance. Some types of commercial insurance may be a legal requirement depending on the type of business you run and the state you live in. Commercial insurance is a requirement in some states. However, those requirements will vary from state to state. More importantly, the type of commercial insurance you invest in should depend on what your business needs. A one-size-fits-all approach to commercial insurance isn’t recommended. Our team at JC Demo Insurance Group can discuss your business needs and any state legal requirements and make recommendations regarding the coverage you need. Most commonly, businesses need liability insurance that can cover various situations. Also, if you own a business with employees, workers’ compensation may likely be a requirement. 

Most businesses would be unprepared to pay for unexpected events, property damage, and many other disasters out of pocket. This is the primary reason why commercial insurance is a good idea. If you have questions about commercial insurance, give us a call. We’d be happy to answer any questions you may have. 

JC Demo Insurance Group serves the Matthews, NC community, as well as the surrounding areas. We have an established track record of helping our clients find the coverage they need to protect their assets. We proudly serve the community as an independent agency. This allows us to offer policies that grow along with our clients as their lives change. We look forward to helping you with your insurance needs.

Life Insurance Myths Exposed

At some point, everyone has to start making plans for the future. Thinking about the future is often uncomfortable. Life insurance can help you put things in place for your loved ones after you have passed away. Life insurance can help your loved ones give you a proper funeral and settle your personal affairs. If you are a business owner in Matthews, NC, life insurance can help you turn over your business to your loved ones without any complications. You can also use the policy to help secure your children’s future. While researching life insurance policies, pay attention to these common life insurance risks.

I Don’t Need Coverage Because I’m Single

Even if you are unmarried with no children, life insurance is still an asset. For example, it can help your loved ones take care of your home or vehicle.

Life Insurance Isn’t Necessary Because I Stay At Home

Even if you are a stay-at-home parent, life insurance is an asset because it allows you to put something in place so that your loved one can take over your role with care, transportation, and other services that you performed. Life insurance helps ensure that things continue to function somewhat smoothly during the grieving process.

JC Demo Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about life insurance.  

If you have a business in North Carolina, there are types of commercial insurance that you may need for that business. There are two types of commercial insurance that are required for certain businesses, and it’s important to know whether your business is one of them. If you need commercial insurance, give us a call at JC Demo Insurance Group in Matthews, NC.

Workers’ Compensation

This type of insurance coverage pays for the medical bills that result from an employee being injured on the job. When this happens, it can result in high medical bills, and this coverage protects you by preventing your employees from having to sue your company to get those bills paid. It can also pay lost wages to your employee as well as providing disability benefits. This is required in North Carolina for all businesses that have at least three employees, whether they are part-time or full-time. 

Commercial Auto Insurance

Every vehicle that is owned by a business in North Carolina has to have a commercial auto insurance policy on it. This protects your business against accidents that can happen with work vehicles. There are different coverage amounts that are required to be included in the auto policy. The policy must have a set minimum amount of coverage for bodily injury liability for one person who has been injured and has medical bills. There is another set minimum amount required for bodily injury liability for two or more people who are injured. There is also a set minimum amount required for property damage liability. If you run a trucking company, there may be other insurance coverages that you are required to have to meet regulations.

Get Your Business Insured

If your business needs commercial insurance, don’t wait. Give us a call at JC Demo Insurance Group in Matthews, NC.

Yes, you can have multiple life insurance policies in North Carolina. It is not only legal, many people do it. Life insurance is a flexible system where you invest what you want and where you want to invest it. 

Many employers offer life insurance through their benefits packages, with coverage that often isn’t more than $50,000. At JC Demo Insurance Group, we know how common it is for Matthews, NC residents to want to ladder life insurance policies. 

The Purpose of Life Insurance

The primary function of life insurance is to cover funeral costs and pay some bills. 

You may be concerned about other things that could happen in your life with your dependents and beneficiaries. In this case, you might consider additional life insurance policies.

Why Own Multiple Life Insurance Policies

There are a number of reasons why you might want to own a number of life insurance policies. You might need more coverage from an additional policy if you don’t like the limit on your work policy.

You might just want more coverage because you want more coverage. Maybe you have a new home or just had a child. 

You might also get more life insurance coverage if you think you will have a lot of debts when you pass away. You won’t want to leave those to your dependents or beneficiaries, because that will eat up a large portion of your life insurance. 

Many people also get additional coverage as an income replacement for their beneficiaries. If you have a special needs or disabled dependent, you may need some additional coverage.

Get a Quote

When you are looking for life insurance, know that, yes, it is possible to own multiple policies in Matthews, NC. At JC Demo Insurance Group, we want you to have the amount of life insurance that you need. If you want to update your existing policy or add a new policy to your portfolio, call us for a quote today.

Commercial insurance, at its most basic level, is designed to keep businesses safe from hazards that could jeopardize their success. Commercial line coverage can be tailored to safeguard a company’s reputation, well-being, and financial status, as well as the individuals that work for it, depending on the policy. 

Commercial insurance, unlike personal insurance, can cover a variety of stakeholders and personnel. Commercial insurance varies from personal insurance in that it often has significantly greater coverage limits because the more tangible property is at stake. 

Commercial insurance agents, for example, our agents from JC Demo Insurance Group have received extensive training in the risks and challenges that firms face. Policies are frequently designed to meet the needs of a company’s specific industry and day-to-day operations. 

Types Of Commercial Insurance  

• Business Liability insurance 
• Commercial Property Insurance 
• Workers’ Compensation Insurance
• Commercial Auto Insurance
• Business Income Insurance  
• Commercial Umbrella Insurance
• Crime Liability Insurance 

Benefits Of Having Commercial Insurance 

Running a business entails a certain amount of risk. 

Employees may get hurt on the job, clients may initiate lawsuits, and natural calamities may strike. 

It is critical that you obtain commercial insurance for your company for these and other reasons. 

The following are the top 8 advantages of having commercial insurance.

• Provides coverage for physical injuries.
• Provides coverage for property damage.
• This policy protects you from the consequences of your advertising.
• Assists in minimizing financial losses. 
• Litigation and settlement coverage.
• Assists in maintaining company continuity. 
• Assists in risk-sharing. 
• It safeguards the company’s image.

JC Demo Insurance Group provides very low commercial insurance coverage and has a lengthy track record of financial soundness and stability.

To discover more about JC Demo Insurance Group commercial insurance, visit our office in Matthews NC or call us today.

When you are shopping for life insurance, there are a number of different kinds. One of the most popular of these is the whole life policy. This policy is run very differently from a term life policy, and it comes with a number of helpful advantages. If you want to know more about whole life insurance or other types of life insurance policies, give us a call today at JC Demo Insurance Group in Matthews, NC.

Whole Life

Whole life insurance got its name from the amount of time the policy lasts. It will last for the rest of your life as long as you pay the premiums as agreed. This is very different from the set term that governs a term life insurance policy. With term insurance, you would have to try to renew your insurance, for a higher rate, after the term is over. 

Cash Value

One of the reasons that this type of insurance is so popular is that it builds up a cash value over time. Some of the money that you pay into the policy is invested, and your policy can earn a portion of the profits. This allows you to borrow the full cash value amount if you need to. This is especially helpful to have if you run into financial trouble and need a loan quickly. The amount that you borrow is paid back like any other loan. If you pass away before the loan is paid off, your death benefit will be lowered by that amount. 

Get Your Life Insurance Policy

It’s important for those around you that you have a good life insurance policy that will pay out a death benefit to your beneficiaries. To learn more about them, give us a call now at JC Demo Insurance Group in Matthews, NC.

The Matthews, NC area has continued to be a great place to own and run a business. This area offers a lot of opportunity to those that want to build a business and have a strong local economy which offers a lot of support. If you would like to run a company here, you also need to get insurance for it. There are a few reasons that you should always get commercial coverage when you are here. 

Coverage Protects the Business

A key reason anyone here should get a commercial plan is so they can properly protect their business. If you want to run a business, you will need to find ways to mitigate your business risks. A commercial plan can be used to do just that. With this insurance, you will get coverage that can be used to repair or replace core assets or provide support if you are named in a liability claim. 

Coverage is a Requirement

You should also pursue a commercial plan as it can be a requirement for you to do so. If you are going to take out a business loan, raise money from investors, or sign a lease agreement, you are bound to have insurance requirements. Your commercial plan will give the right coverage needed to ensure you meet these requirements. 

As you are trying to build a business in the Matthews, NC area, you will continue to find having commercial coverage is very important. If you are interested in obtaining a plan here, calling the JC Demo Insurance Group is a good idea. The professionals with the JC Demo Insurance Group can offer the support that is needed to build a commercial plan. This will help ensure they remain fully covered at all times. 

When you are in the Matthews, NC area, you are going to have many insurance needs. A form of insurance that all people need to consider seriously is life insurance. When you have a life insurance plan, you can provide financial support to those that you care about. There are several reasons the typical person here should get this coverage.

Provide Financial Support

A key reason to have this coverage is so you are able to provide financial support to those that rely on you. If you have dependents or people that rely on you and your income, protecting their financial future should be a priority. With a proper life insurance plan, you will get the coverage that is needed to ensure their future financial costs are covered. You are able to build a plan that is personalized to meet their needs. 

Investment Benefits

You should also get life insurance as it can come with investment benefits. One life insurance option you can consider is whole life coverage. When you have a whole life plan, some of your monthly payments will go into an account and slowly build with value. It also accrues interest and is considered a low-risk investment. This can make whole life coverage a great addition to your full investment strategy. 

All people in the Matthews, NC area should take their life insurance needs seriously. As getting this coverage is important, understanding your needs and options is critical when it comes to picking a plan. By working with the JC Demo Insurance Group you can learn what you need to choose and the ideal plan. The JC Demo Insurance Group can help you carefully assess your needs and options and build a plan that is right for you and your situation. 

The Matthews, NC area has continued to be a popular place for people to move to. This area has a growing economy, which can also make it an ideal location to start a small business. As you are looking to start a company in this area, you should also spend the time needed to assess your insurance needs. All business owners in this area of North Carolina will need to have commercial insurance for a few reasons. 

Coverage is a Requirement

A reason that a lot of business owners in this part of the state will need commercial insurance is that it is a requirement. Businesses in this area could be required by lenders, investors, landlords, and other parties to carry commercial insurance. Further, depending on the industry you are in, many savvy customers will want you to have proper insurance at all times due to the liability coverage you will receive. Getting this coverage can keep you in good standing with your requirements and help to protect your reputation.

Coverage Offers Valuable Support

Commercial insurance is also a necessity due to the valuable support that comes with it. A full commercial insurance plan offers both commercial asset protection and liability support. If your core business assets are ever lost or damaged, or you are named in a liability suit, this coverage can prove to be helpful. 

As you are evaluating your commercial insurance needs in the Matthews, NC area, you will want to call the team with the JC Demo Insurance Group. If you do call the JC Demo Insurance Group, you will learn a lot about your various insurance needs. The team can then provide any support needed to build a new insurance plan that will offer the right coverage and protection. 

 Essential factors to consider when buying life insurance in Matthews, NC

Buying life insurance is one of the best financial decisions you will ever make. The policy offers a perfect solution to your family’s future if you get proper coverage. But how do you know you’re on the right path?  At JC Demo Insurance Group, we recommend learning how the policy works before settling to buy. If it’s your first time buying life insurance in Matthews, NC, here are a few fundamental factors to consider when purchasing the policy.

Your life insurance needs

While personal needs keep changing as you grow older, most Matthews, NC residents buy life insurance to provide a financial boost to their families if they died. However, just because you don’t have a family doesn’t mean you can’t buy life insurance. There are many other reasons why you may want to buy the policy. For instance, if you’re going to cover your burial and funeral expenses or donate part of your wealth to charity, life insurance gives you that opportunity.

The type of policy for you

Once you know why you need life insurance, the next step is determining which type of insurance works for you. In most cases, you will need to choose between term life and whole life insurance. Term life insurance is designed to provide indemnity against events that can be financially stressful in the future.

Your budget

Money always comes into play when it comes to buying insurance. To get the most out of your policy, you can shop around and compare quotes from different companies before making a decision. Additionally, your insurance needs also dictate how much premium you will pay.

Your age and health

Age and health play a critical role in determining your premiums. Sometimes, they determine whether you can be insured or not. Typically, the healthier and younger you are, the lower the premiums.

Not sure which type of life insurance works for you? Let JC Demo Insurance Group guide you through the process. Our experienced team will assess your needs and find a policy that matches your budget, style, and needs. Call us today!