Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.
Covers your products, materials and equipment that are transported over land (truck or train), or while they're in a warehouse. If involved in a collision, mishandling or cargo theft, Inland Marine Insurance covers the transported goods.
Small business Health Insurance helps you offer your employees more inexpensive access to medical insurance. Everyone can benefit from lower rates or better coverage.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Cyber Liability Insurance protects you from the theft of sensitive data. If you suffer a data breach or software attack, Cyber Liability Insurance will cover the costs of notifying and restoring affected customers, recovering data and repairing security systems.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
How can I make sure my drivers have the right Auto Insurance in place?
Before hiring an employee as a driver for your business, ask them for evidence of insurance coverage. They should provide an insurance card of evidence from their carrier.
How much will my North Carolina business insurance cost?
Every business is different, which means insurance costs are different. Most carriers review your experience, safety procedures, loss history and operations to calculate your premium.
What are the state requirements for Worker’s Compensation insurance in North Carolina?
North Carolina requires businesses with 3 or more employees to buy Workers Comp Insurance. Failure to do so puts you at risk of fines, misdemeanor or felony charges, and prison time.
Do I need insurance for my business in North Carolina?
Even small businesses find themselves in court defending innocent mistakes and insurance is highly recommended to protect your finances when they occur.
My employees use their personal vehicles; do I need Business Auto Insurance in NC?
If your employees are involved in an auto accident while on the job, their insurance will not protect you. Buying Hired & Non-Owned Auto Insurance is the best way to protect your business in this scenario.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: