If you have a business, you probably have commercial insurance. But have you reviewed that policy lately? There are a lot of changes a business can have to happen to it, along with changes it chooses to make. All of those changes can affect the way things are done and the liabilities the business has, as well. With that in mind, it’s very important to make sure your insurance policy for that business is up to date. That’s the only way to ensure proper protection. If your Matthews, NC business hasn’t reviewed its insurance policy in a while, reach out to us at JC Demo Insurance Group and let us help you with that today.

Your business insurance policy provides protection for your company, and also for the people who come through your doors and purchase from you. Accidents and incidents can happen to employees, customers, or the structure of the business’ location itself, as well as your inventory and other areas of your company. But a good insurance policy will help you weather any storms that might come your way. It provides peace of mind and lets you take care of things in a way that keeps your business viable and strong while making things right for others, too.

If it’s been a while since you reviewed your commercial insurance policy, contact us at JC Demo Insurance Group today. If your business is in the Matthews, NC area, we’re here to help you have the coverage you need. Whether you have a policy with us now or you’re looking to change carriers, a review of your current insurance needs and what your policy offers can be an excellent way to make sure you’re properly protected and give you peace of mind for the future, too.

Being properly covered by insurance is very important for all people in the Matthews, NC area. For many people, a big part of this is getting the right life insurance in place. For those that are in need of life insurance, choosing the right policy can be complicated. Fortunately, there are several tips that can be followed that can make this clearer and easier decision. 

Consider Coverage Needs

It is important to consider all of the future financial needs that your dependents will have. This can include paying the mortgage, for food, and for higher education costs. You should then compare this conservative estimate to what you currently have in savings. The difference should be a starting point when you are thinking about how much coverage you need to have in your policy.

Consider Insurance Types

Life insurance buyers will be able to choose from term and whole life insurance options. Each of these insurance options has different pros and cons. For those that would like the most coverage for the least amount of money, term life is normally ideal. Whole life can be a great option for those that are also looking for a conservative way to invest and whole life premium payments do build up and can be liquidated as well. 

It can be hard to determine what type and amount of life insurance someone needs. For those that are in the Matthews, NC area, contacting the team at JC Demo Insurance Group would be a great option. The insurance professionals at the JC Demo Insurance Group will ensure that you can get into a policy that provides you with the right protection. This will be done after an extensive review and assessment of your situation to ensure that all risks are covered. 

When you are looking for a fun and exciting career track, one great option to consider is to start your own business. This is especially a good option for people that are in the Matthews, NC area as this part of the country offers a variety of favorable variables. If you are going to start a business here, you should spend time carefully assessing your insurance needs. There are several situations in which a business in North Carolina will be required to have commercial insurance. 

Business Has a Loan or Lease

One situation in which you are going to need to have commercial insurance is if you have a loan or a lease. All lenders and landlords want to make sure that you are able to stay financially viable. This includes making sure you can withstand a fire that damages business assets or if you are sued for liability. A quality commercial insurance policy will protect you for both of these situations. 

Business Has a Staff

If you have a certain number of employees in the state of North Carolina, you will need to have worker’s compensation insurance. Those that do not have a commercial insurance policy with this coverage will find themselves in violation of state law. This could result in serious fines and other issues. 

Having commercial insurance in place for your Matthews, NC business is always a good idea. Since there is a lot of complexity that comes with commercial insurance, you should speak with the team at the JC Demo Insurance Group when choosing a new policy. The insurance team at the JC Demo Insurance Group can help to get you into a great policy that will give all of the liability and asset protection that you need. 

JC Demo Insurance Group offers both term life policies and whole life insurance policies. They offer advice to the residents of Matthews, NC when it comes to choosing the policy that is most beneficial for them. Many people don’t buy life insurance because they don’t understand the differences and what each policy is good for. This is where scheduling an appointment with your agent can help.

Benefits of Term Life

Term life gets its name because it is written for a specific "term" or amount of time. Normally, a term life policy is set to mature after 5, 10, 15, or 20 years. As you pay into the policy and equity is established, you may have the option to borrow against the policy in an emergency. Once the policy reaches its face value, it will remain in place until you cash it in. Term life is normally a good choice if you are only interested in covering your burial expenses.

Benefits of Whole Life

A whole life policy is the better choice if you are trying to provide for your family if the unthinkable happens. A whole life policy will remain in place for as long as you live and continue to make payments. The benefit of a whole life policy is that it will provide your family with the financial stability they need to get through a difficult time.

AT JC Demo Insurance Group, the agents serve the residents of Matthews, NC. Schedule an appointment with one of the agents today so that you can find the right type of life insurance policy that will help you achieve your goals. 

 

Your new commercial venture in the Matthews, NC area needs the perfect home to ensure your best chances of success. Use this checklist from JC Demo Insurance Group to help you find the perfect property for your new manufacturing, retail, or professional services space.

• Locate the right areas of town on a map. Like other municipalities, the area around Matthews NC is divided into industrial, commercial, and residential spaces. Find out which areas of town are home to businesses like yours. This is the starting point for your search.
• Shop for properties based on the location of your target demographic. For example, an ice cream parlor would do much better in an area that is frequented by families, whereas a craft brewery that focuses on distribution would realize less liability in an industrial area.
• Buy, rent, or lease? Look at your long-term plans, resources, and projected growth rate to decide if you should buy, rent, or lease your commercial property. These choices have an effect on your insurance as well. Talk to your commercial insurance provider to understand the impact of these decisions on your coverages.
• For those who choose to rent or lease, talk to the landlord before touring the property. While the property itself is important, your relationship with the owner will determine your long-term satisfaction to a large degree. Make sure you can form a mutually beneficial working relationship with them before you sign.
• Buyers should use a professional contractor to evaluate potential sites before placing a bid. This ensures you don’t end up buying a piece of property that is contaminated or otherwise compromised.

Your commercial insurance package is directly affected by the location of your business. Contact JC Demo Insurance Group to help understanding how your commercial real estate affects your premiums and payouts.

Your commercial business insurance premium is determined by a wide range of factors, including where you’re located and what you do. Those in Matthews, NC should have all the facts, so there are fewer surprises by the time they start searching for quotes. Whether you’re looking for brand new coverage or you want to improve upon what you currently have, JC Demo Insurance Group may be able to help. 

Your Location and Specialty 

Different businesses are riskier than others. If you have a body shop in a dangerous section of town, your location may be more likely to sustain criminal activity, such as theft or vandalism. You’re also more likely to have a liability or workers compensation claim filed against you. Let’s say a customer comes to pick up their car when they’re injured by a misplaced tool. Your premium will be higher based on the risks, meaning it will be very different from an air-conditioned office stocked with ergonomic chairs and other safety features. 

Claim History 

This factor is something of an extension of your location and specialty risks. If you’ve filed multiple claims before, you’re more likely to have a higher premium because insurance companies assume your rate of filing will likely remain stable. For many businesses, there is only so much they can do to eliminate all risk. However, it can help for business owners to take as many safety precautions as possible in an effort to prove to the insurance company that everything is being done to prevent accident, injury, or property damage. 

To find out more about how you can do more for your business, call JC Demo Insurance Group today. We serve the owners of Matthews, NC who want to keep their livelihood going no matter what happens. 

To protect the ones we love after we’re gone, life insurance is a must. With a life insurance policy you can have peace of mind knowing that when you pass, your family will be taken care of. Life insurance helps cover burial expenses, college tuition, paying off debt, and help with living expenses, for example. This important policy should be set in place as soon as possible if you don’t already have one. In fact, JC Demo Insurance Group has put together three important tips for purchasing life insurance in Matthews, NC. Read on to learn more:

1. Compare Several Quotes

Insurance quotes are never exactly the same. That’s why it’s so important to go over the fine detail of several quotes before deciding on a life insurance policy. An insurance agent can help you do this.

2. Bundle Your Insurance Policies

To save money on your premiums, bundle your insurance policies under one carrier. You can stay with your existing insurance company or switch to a new one that offers both better discounts and coverage. Using an insurance agent to complete this task is a good idea. You can bundle any of your policies together, such as home insurance, auto insurance, commercial insurance, and more.

3. Work with a Reputable Agent

To secure the right life insurance policy for an affordable price, it’s best to work with a reputable agent. These experienced professionals can answer all your questions and concerns, help you compare quotes, and find you discounts.

To learn more about purchasing life insurance in Matthews, NC, call the team at JC Demo Insurance Group today.

 

Most business owners know about the basic commercial insurance needed to protect a business, which includes workers’ compensation, general liability, property insurance, and commercial vehicle insurance. A business may need product liability insurance if it produces or distributes products.

Depending on a person’s occupation there may be a need for professional liability insurance as well. The is also called malpractice insurance for those in the health care sector and attorneys. It may be called errors and omissions (E&O) for those professionals providing financial services, such as financial planners, stock brokers, and tax accountants.

Basic commercial insurance for a business may not be adequate because new risks are becoming more common.

Protection From New Risks

To address these new risks, which are now being experienced by most businesses, there are customized commercial insurance policies that work in combination with umbrella insurance to provide protection for things like:

• Terrorist Attacks: Mass shootings and product tamperings.
• Industrial Accidents: Oil spills, gas leaks, and biohazards.
• Cybersecurity Breaches: Stolen personal information, fraud, and malware.
• Severe Weather Damage: Flooding and hurricanes caused by climate change.
• Lawsuits: Defamation, slander, libel, discrimination, and sexual harassment in the workplace.

Talk with your agent at JC Demo Insurance Group, serving Matthews, NC, and the surrounding area, about these risks and others that are potentially serious. The goal is to reduce these risks that could negatively affect your business. Your agent can help to determine how insurance can alleviate some of your exposure.

Business Interruption Insurance

Many businesses find it wise to carry business interruption insurance. For example, even if a business is not damaged when a natural disaster hits the area, it still may not be able to operate due to the power-down condition and/or dangers. Business interruption insurance helps pays the bills for an ongoing business if it is temporarily not able to operate normally.

Contact your agent at JC Demo Insurance Group in Matthews, NC by calling 704-541-5155 or using the convenient online form to get a quote for new commercial insurance or to upgrade your commercial insurance for your business.

Is There Ever A Bad Time To Review Your Life Insurance Needs?

Are you in Matthews, NC right now? If so, come in today and pose that question to the professionals at JC Demo Insurance Group. We dare you. Do you know what our response will be? A resounding "no" , there is never a bad time to review your life insurance needs.  

Life Insurance Review For Retirees

North Carolina is a popular location to retire in. Retirement is a great time to take a careful review of your financial situation. Life insurance is not just a means to pay for final expenses. Life insurance can be an investment tool to ensure you can cover major life expenses. Depending upon the type of life insurance product you currently own, chances are your needs have changed greatly with retirement. You may want to travel more extensively, pay off an existing mortgage and downsize your living accommodations, essentially the sky is the limit to the choices that are in front of you as you retire. This is the logistical freedom you have worked for all of your life. Reviewing your policy with one of our professionals will give you a clear view of how your coverage can adapt to your retired lifestyle.    

As the old adage says, there is no time like the present. JC Demo Insurance Group is located in Matthews, NC. Our telephone number is 704-541-5155. Call or come right into our office today to learn how we can assist you with your insurance issues. We serve both North and South Carolina. We provide coverage for several different aspects of your life.  Our professionals can discuss your; Business, Auto, Home and personal insurance for your recreational vehicle or just about any insurance question you can think of. 

Business insurance is complicated because of the many issues involved in creating coverage for business owners. One solution is the Business Owners Policy, or BOP, that combines protection from all the areas of risks and liabilities in one package. The JC Demo Insurance Group in Matthews, NC can help you determine the level of coverage our business needs. You can get the whole package or any part of the package that you decide you need.

The policy starts with coverage for the building and contents. If you don’t own the building, you would still need contents coverage. There is also specialized coverage for certain types of content coverage.

The BOP also includes business interruption coverage which covers the loss of income if you are unable to operate your business. If there is a fire or some other catastrophe that stops your business from operating, you would have your income covered. It can also cover the costs of operating from another location.

A third part of the package is liability coverage. This would be a basic liability policy covering things like accidents where people get hurt o your property. It would also cover you for any liability from a product you made that was used off the property.

 A business owners policy does not cover auto insurance, workers compensation or health insurance for employees. Those would have to be bought separately but could be included in your overall portfolio of coverages.

Bundling your coverages like this can save you some money. They also offer you a lot of flexibility as you can mix and match portions to your needs. Stop by or call the JC Demo Insurance Group in Matthews, NC to learn more about getting insurance for your business. We can help you understand all your options and help you get the best insurance for your situation.