Small Business Insurance in North Carolina
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Coverage Plans for All Your Needs
Starting a business in North Carolina opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your North Carolina business
General LiabilityInstant quote »
- Bodily Injury
- Damage to third party property
- Personal Injury
When you also have at least one employee
General Liability + Property and Workers Compensation (WC)
* Plus Workers Compensation
All standard plan benefits and:
Coverage for work-related accidents and diseases and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Legal fees
We've Got You Covered with Coverage You Need
Whether you’re looking to satisfy North Carolina requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Business Owners Policy
Business Owners Policies (BOP) combine general liability and commercial property in one policy saving them money on their premiums.
Inland Marine insurance is beneficial for businesses that transport goods from one location to another. It protects if your goods are damaged or stolen while in transit and pays the costs to replace them.
North Carolina requires businesses with 3 employees carry Work Comp Insurance which pays medical bills and lost wages for employees injured on the job.
Commercial Auto Insurance protects your business if you are found at fault for a vehicle accident. It pays for property damage, medical expenses, and physical damage to company vehicles.
With the majority of businesses accepting credit card payments or storing client information, cyber breaches are growing in number year after year. This coverage protects you by paying necessary expenses arising from a breach.
Frequently Asked Questions
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.
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