Three Reasons Why Your Business Needs a Commercial Auto Insurance Policy

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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.

 

Life Insurance Discounts You May Not Be Aware Of

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The slogan of Mint Hill, NC promotes it is as “A great place to live, work and play.” Who can argue? It was named 13th 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!

The Importance of Keeping It Local

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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.

Why Even a Small Fire Can Do Serious Damage to Your North Carolina Home

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Your North Carolina homeowners insurance can protect your house from a variety of problems. It can cover you in spring and summer storms. It can protect you from losses due to a theft. It can provide you liability coverage in the event of an on property injury. It may also give you the financial resources to recover from a fire. But making sure you have enough coverage is critical, especially in case of a fire.

A fire and its aftermath doesn’t have to consume your entire home to be a significant disaster. Even a small fire can do serious damage to your North Carolina home. Why can it be so damaging?

Let’s use the example of a kitchen fire in the heat of our North Carolina summers. Even if the flames are contained to the kitchen, air conditioning can quickly spread smoke and soot through the entire home. Smoke damage can easily occur to furniture, clothes, and bedding. Smoke and soot will likely stick to walls, ceiling fans, carpeting and appliances. If the fire department was called there could be water damage or at least a large mess from extinguishers. Yes, even a small fire can create a significant amount of damage.

That’s why it is important you have the appropriate homeowners insurance coverage. You want to be assured not only your structure is properly covered but your contents are as well. We can help with a no obligation homeowners insurance review. We will assist you in understanding your current coverage and make sure you know where you are, and aren’t, sufficiently protected. As independent agents, we can shop around for the best coverage for you.

Compare homeowners and auto insurance rates right online at our website, or if you prefer, call us. Let’s make sure you have the coverage you need at a price you can afford.

Is Your Huntersville, NC Home Protected from Plumbing Leaks?

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Huntersville, NC is home to NASCAR’s Joe Gibbs Racing and the annual Carolina Renaissance Festival. Our proximity to Lake Norman and golf courses make us a prime recreation area for the Charlotte region. We have our share of commerce, but it is our 47,000 residents that make living here so special.

According to the 2010 U.S. Census, there are just under 10,000 housing units in Huntersville. Each of these housing units faces an unseen risk. It is the risk of water damage from plumbing leaks.

Damage from plumbing leaks can be quite extensive. If it is not noticed for a period of time, plumbing leaks can lead to mold and even structural damage. We tend to view plumbing leaks as a simple, annoying problem. The reality is it can be very costly.

Of course, water damage can come from a variety of sources. Storms, flooding, roof leaks, and sewer back-ups can all lead to damage. If you are not sure what your homeowners insurance covers, it is time for an insurance review. A home insurance review can help put your mind at ease regarding what water damage you are, or are not, protected from. It can also determine if you are covered in adequate amounts.

We are an independent insurance agency. That means we have the ability to seek out many companies to compare rates. This very often results in better coverage or even better rates. Find out for yourself by visiting our website. You can get a comparative quote on your home insurance and auto insurance right online. It is an easy and convenient way to potentially save money. If you prefer, please feel free to contact us to discuss your coverage. We can determine whether or not your Huntersville home is protected from plumbing leaks.

Who Is Liable In A Collision?

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Throughout North Carolina, there are a number of attractions. People come from all over the world for the national parks, the beaches, and even the major cities, such as Charlotte and Raleigh. Home prices can be affordable and the economy is strong because of the presence of so many large companies.

When you’re in the 28015 area, it’s important to look at automobile insurance. More importantly, you want to know about coverage so you can be well protected.

If you’re in a collision and it was your fault, then you are the one liable for the entire aspect of the accident. This includes property damage as well as any personal injuries.

Within North Carolina, the state mandates the minimum levels of coverage that you need to maintain on a policy at all times. This is the liability coverage. If you have $25,000 worth of coverage for property damage and the collision totals up to $50,000 worth of damage, the remaining $25,000 is not going to be covered by the car insurance and that’s because you don’t have the coverage. This means that the $25,000 that isn’t covered is your financial responsibility.

Liability is a big deal and therefore you need your automobile insurance policy to protect you. Increasing the liability on your policy isn’t as expensive as you may think. Doubling or even tripling the coverage isn’t going to double or triple the cost of your premium – and that means you can add a significant amount of coverage and only spend a little bit of money.

At fault versus no fault states determine liability differently. If you’re in a no fault state, then you would be responsible for what happens on your end with the collision and the other driver would be responsible for what happened on their end.

Either way, we have agents to help with coverage.

Car Insurance In North Carolina: The Impact Of Adding A Spouse

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North Carolina is located on the East Coast of the United States. It offers mountains, beaches, and major metropolitan cities. It is situated right between the north and the south, offering a lot of charm and sophistication.

If you’re a resident of North Carolina, you want to make sure you have car insurance to stay legal while driving on the roads. There are a lot of details that go into the cost of a policy and when you want to add a spouse to that policy, it’s important to know the impact.

If you and your spouse currently have separate policies, it may be costing you a lot more. This is because you’re not qualifying for any discounts, such as multi-driver or multi-car.

It’s a good idea to work with an independent agent to learn about all of the options. We can talk to you about the coverage options and find quotes for you from the multiple companies. Whether both of you have policies right now or not, there are options to keep the costs down and we will explain them all when you call.

There are many good car insurance companies that write policies in North Carolina. Some will offer more discounts than others and that’s why we’re here. We have been working with the companies for a while and so we know which ones are going to offer you the best deals given your situation.

It doesn’t matter whether you are newlywed or you have simply been on separate policies up until now. When you want to add a spouse to your policy, it can actually be a good thing.

Contact us today and let one of our independent agents start finding you quotes to give you a great price on a policy.

Even Landscapers Need Business Liability Insurance in North Carolina

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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.

Life Insurance In North Carolina: What To Look For

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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.

How Do I Know What Is Covered On My Homeowner’s Insurance?

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Matthews, North Carolina is just outside of Charlotte. Being so close to the metropolitan city, there are plenty of things to do, including going to museums and galleries, various shopping centers, and the NASCAR speedway.

When you look at your homeowners insurance, you want to know what is and is not covered. Your home in the 28105 area may be covered against the basics such as fire and burglary, but beyond that, you may not know.

There are various personal injury claims that could be filed against you as a result of someone injuring your home. Such instances could include:

– A guest falling

– Someone getting a DUI after driving home from your house

– A contractor falling

These scenarios need to be explored when you shop for homeowner’s insurance in Matthews, North Carolina. This way you can ensure you have the proper level of coverage in the event someone files a personal injury claim. With the right coverage, the insurance company pays for the damages instead of it being your financial responsibility.

Your home in 28105 needs to be protected. You don’t have to figure it all out on your own. It’s understandable that you have questions and homeowner’s insurance companies make it confusing on purpose. Our agents can answer questions you have about protecting your home in Matthews. We have the experience to speak honestly about the coverage options in North Carolina and can let you know about the geographic necessities as well, such as flood insurance, wind coverage, and more.

Call and talk to one of our agents today. We can talk to you about what is covered on your policy and help you to find the coverage you need. We can get you quotes to make the comparison process easier as well.