A Smarter Approach to Protecting Your Business
Running a business comes with risks - from property losses or damage and lawsuits to workplace injuries and weather events. Our Commercial Insurance solutions are designed to help you safeguard the business you've worked hard to build across
Dunn,
Raleigh,
Morehead City,
Roanoke Rapids,
Greenville, surrounding communities, and multi-state locations. As an independent agency with 70+ years of experience, we help you navigate coverage decisions with clarity and confidence. Whether you're a small shop or a growing multi-state operation, our local expertise and national carrier access ensure your business gets the protection it needs.
Our Commercial Insurance Services
General Liability Insurance
General liability insurance is a type of commercial insurance that protects a business from financial losses due to claims of bodily injury, property damage, or personal and advertising injury caused by the business’s operations, products, or services.
Commercial Property Insurance
Commercial property insurance is a type of business insurance that helps cover the cost to repair or replace a company’s physical property—such as buildings, equipment, furniture, and inventory—and can also include loss of income insurance, which helps replace lost revenue and cover ongoing expenses if a business must temporarily close due to a covered property loss.
Workers' Compensation Insurance
Workers’ compensation insurance helps cover medical bills and lost wages for employees who are injured or become ill because of their job, and it can also provide disability benefits and support for families if a workplace injury is fatal. It also helps protect the business by covering legal costs in many work-related injury claims.
Commercial Auto Insurance
Commercial auto insurance helps protect a business when vehicles are used for work by covering costs from accidents such as vehicle damage, injuries, and property damage to others. It can also include coverage for hired and non-owned vehicles, which protects the business if employees use rented cars or their personal vehicles for business purposes.
Business Umbrella Insurance
Business umbrella insurance provides extra liability protection by increasing the coverage limits on policies like general liability, commercial auto, and employers’ liability. It helps pay for large claims or lawsuits that go beyond the limits of those underlying policies, offering added financial protection for unexpected, high-cost losses.
Professional Liability (E&O)
Professional liability insurance, also called Errors and Omissions (E&O) insurance, helps protect a business if a client claims the business made a mistake, was negligent, or failed to deliver services as promised. It can help cover legal defense costs, settlements, and judgments related to professional services, even if the business did not intend to cause harm.
Cyber Liability Insurance
Cyber liability insurance helps protect a business from financial losses related to data breaches, hacking, or other cyber incidents. It can help cover costs such as notifying affected customers, restoring data and systems, legal fees, ransomware response, and certain claims related to stolen or exposed information.
Builders' Risk Insurance
Builder’s risk insurance is a temporary property policy that protects buildings during construction or renovation. It covers physical damage to the structure, materials, and supplies, and may also include soft costs such as lost income, permits, legal fees, or financing expenses resulting from a covered loss.
What to Expect When Choosing Coverage
Selecting the right mix of business insurance can feel overwhelming, so we break it down into clear steps. Our team helps you understand what you need, why it matters, and how each coverage protects your livelihood.
Assess Your Risks
We review your business operations, industry exposures, location, and assets.
Identify Required Coverages
We clarify what North Carolina law requires and what your contracts may mandate.
Compare Carrier Options
As an independent agency, we shop multiple insurers to find the best fit.
Customize Your Policy
We tailor limits, deductibles, and endorsements around your operations.
Ensure Ongoing Support
From certificates to claims, our team is here whenever you need us.
Common Questions About Commercial Insurance
What type of insurance does my small business need in North Carolina?
Many businesses start with general liability, property, and workers' compensation (if applicable). Depending on your operations, you may also need commercial auto, cyber, inland marine, or umbrella coverage.
Is commercial insurance required in NC?
Workers' compensation is required for most businesses with three or more employees. Commercial auto is required for any vehicle used in business. Liability and property insurance aren't mandated by law but are often required by landlords, lenders, or contract partners.
Can you help coastal or high-risk industries?
Yes. We work with construction firms, coastal businesses, hospitality operations, farms, and more. Our carrier network gives us flexibility to build solutions for both standard and complex risks.
How much does business insurance cost?
Costs vary based on size, industry, location, and coverage needs. We help business owners compare multiple carriers to find competitive, customized options.
Do you work with startups or small businesses?
Absolutely. Whether you're opening your first shop or expanding operations, we tailor coverage to fit your growth stage.
Explore Related Services
Agriculture Insurance
Ideal for producers, packers, and agribusinesses that need protection for property, equipment, livestock, and operations.
Employee Benefits
Support your team with group health, life, disability, and benefits administration services tailored for NC employers.
Personal Insurance
Business owners often bundle home, auto, or umbrella coverage for complete personal protection.
Ready to Protect Your Business?
Our team proudly supports businesses across North Carolina with coverage built for real-world risks and long-term confidence. Let's discuss your needs and build a customized commercial insurance plan.
