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!

Finding the right motorbike insurance for your motorcycle in Charlotte, NC may be a simple task, but there are times when you will want to make adjustments to your policy. When you want to add a member of your household to your policy or when your life situation changes and you may allow another individual to ride your motorcycle, it is usually best to contact your insurer to make the changes that you need.

Evaluate Your Policy

Before you assume that you can add another individual to your current policy, read the details on your plan. Although most insurers will allow you to add a few individuals, there may be limitations on the number of people that can be covered under a single policy. Make sure that your insurer does not have any limitations or requirements before you assume that you can add the person.

Contact the Insurance Provider

Call the customer service number and talk to a representative of the company. Explain the situation and ask to add the other individual to your plan. You may be required to provide a motorcycle license before the individual is added. If your life situation has changed, then you may need to provide proof of the change like a marriage certificate or other official documents.

The insurer may be able to add the other individual to your policy without further documentation as long as you provide a license number to prove that the individual can ride a motorcycle.

There are times when you will want to make adjustments to your motorcycle policy to fit with changes in your life. In many cases, you can handle the changes over the phone or you may want to look for a new policy. Contact us to talk to an agent for more information.