Who Needs Commercial Insurance?

Owning a business is a dream for many people. When you do own a business, there are many decisions that you will have to make, one of which is picking the right type of insurance. For those that are in the Matthews, NC area, one type of insurance that may be needed for a small business owner is commercial insurance. There are several types of people that will need to have commercial insurance in particular.  

Those that Own Real Estate

The first type of business owner that will need to have commercial insurance is one that owns real estate. If you own a commercial real estate property, even if it is leased to a different business, you will need to have a commercial insurance policy. This will be able to provide you with commercial property insurance too repair or replace the property in the event it is damaged.

Those with Liability Potential

If your business has the potential to be found liable for an injury to another party, then you definitely need commercial insurance. A commercial insurance policy will typically provide you with liability insurance as well. This is especially important if you are in an industry that produces food or other consumer products, all of which have some potential to cause harm.


If your business is large enough to have employees, then you definitely need commercial insurance for workers compensation. Workers compensation will provide you with insurance in the event your employee is injured while they’re at work.

For those that are in the Matthews, NC area and are confused about their commercial insurance needs, reaching out to JC Demo Insurance Group would be a great option. The JC Demo Insurance Group can help anyone to better assess and determine their commercial insurance needs and can even provide a free quote for the right policy.