Business Insurance Coverages – Cases #5 and #6 – China Grove, NC

The final segment in our video series about what insurance a small business actually needs.

Bad Luck Case #5
We review the need for Employment Practices Liability Insurance.

Bad Luck Case #6
A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512

Business Insurance Coverages – Cases #3 and #4 – China Grove, NC

As we continue our series of business insurance examples…

See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance.

Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512

Business Insurance Coverages – Cases #1 and #2 – China Grove, NC

What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Jason Bentley Agency is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512

Electrical Fire Takes Home – China Grove, NC

Hello, everyone. Jason Bentley here with the Jason Bentley Agency, just wanting to come to you quickly about a question that does come up quite a bit. People honestly ask us on a regular basis, why do they pay for insurance and what does it cover? And it does cover quite a few things, so a lot of things that happen instantly in this world that you do not expect to happen. It’s for those moments in life that you’re really glad that you do have an insurance company to take care of you and an agency like ourselves to handle the claim and all that for you.
One instance came up just recently where an electrical fire actually took over someone’s home and burnt it to the ground. We’ll show it to you right here. As you can see, not much left to it. And our agency is in the process of taking care of their claim and making sure that they are covered completely and building their home back the way it needs to be. So again, there are definitely reasons to have your insurance and make sure that it is taking care of you properly. Be sure to give us a call at the Jason Bentley Agency, (704) 857-9512 or (704) 784-3300. Shoot us a text, follow us on YouTube or Facebook and Instagram. Talk to you then. Thank you. Bye.

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512

Homeowners Insurance Dwelling Coverage Question – China Grove, NC

Hello, this is Jason Bentley with the Bentley Agency coming to you, again, to answer a question that continues to seem to come up. On homeowners’ insurance policies, your dwelling replacement amount and what that value is compared to, what you might thinking that it should be. A lot of people seem to come in thinking that the appraisal on their home, market value, or even the tax value from the city and county is what should be on their homeowner’s policy. That is actually incorrect.
What we generally are looking for is what is it going to cost to rebuild your home from scratch, getting a general contractor out there and the cost of all the materials, and everything it’s going to take to actually build your home, not what your market value is. That is why you generally see the difference in the pricing on what you see from a homeowner’s policy versus an appraisal or tax value.
Hope this helps you out. Please give us a call in Concord at (704) 784-3300, or in China Grove at (704) 857-9512, or visit us at YouTube, Instagram and Facebook at the Jason Bentley Agency pages. Thank you, have a great day.

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512

What Does Comprehensive Coverage Cover? How Auto Insurance Works? – Concord NC

Hello and happy Tuesday. This is Jason Bentley with the Jason Bentley Agency. Just briefly wanting to go over with you comprehensive coverage on an auto policy. On an auto policy, there are two types of coverages that would cover your vehicle itself, one being collision, the other being comprehensive. We seem to always have more questions on the comprehensive side so just to give you a couple of brief examples of what this would cover. Acts of God, so in case a tree falls on your vehicle, hail damage, even your car catching on fire would be covered under comprehensive. The others being also if your car is stolen is covered under comprehensive. And honestly, the biggest one is windshield cracks. So, basically in comprehensive, anything that is a falling object, even those coming towards your vehicle such as rocks coming off the road and stuff like that is covered under comprehensive.
So, if your windshield gets cracked, basically your comprehensive coverage would take care of it. Of course, you do have a deductible to take care of as well. But with that, I generally try to make sure that my clients have a zero deductible on comprehensive, just for the fact that it’s generally not your fault when something happens that is covered under comprehensive. I hope this helps you. Be sure to visit our YouTube page with the Jason Bentley Agency, our Facebook page at Jason Bentley Agency as well, and also Instagram. Feel free to give us a call at the China Grove Office, (704) 857-9512 or the Concord Office at (704) 784-3300. Thanks and have a great day.

Call Jason Bentley Agency in Concord, NC at (704) 857-9512

Hello and happy Wednesday. This is Jason Bentley with the Bentley Agency, introducing you to our new video podcast. Here to help you understand the insurance industry do’s and don’ts, ins and outs of our agency. As well as to make sure that you have the correct adequate coverage for your assets and do not get into any trouble with the State. Now one of the questions that continues to come up to us is whether or not an auto dealership will give us a call to let us know that you have made a new vehicle purchase or trade-in. I will say this, most of the times they are very good at giving us a call, letting us know that you have made this purchase and to make sure that the coverages on the vehicle are the same as what’s on the older vehicle that you traded-in.
Sometimes though this does not happen. They do not give us a call. For whatever reason, it slips through the cracks. So I implore you emphatically, definitely give us a call. Let us know whenever you have made a new vehicle purchase. That way we are able to make sure that the coverages on that new vehicle are what needs to be on the policy. Sometimes the older vehicle does not have the same coverages that you would want on the new vehicle. So definitely please give us a call. Let us know whenever you have made this new vehicle purchase.
Thanks. I appreciate you watching this video. Please follow us on YouTube, Facebook and Instagram. Do not hesitate to call us at (704) 857-9512 or (704) 784-3300. Thanks, have a great day. And remember, the Bentley Agency is on your side.

Call Jason Bentley Agency in China Grove, NC at (704) 857-9512