Small Business Insurance in North Carolina

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

  • 24/7 availability with exceptional service

    As a business owner, you need to change, request evidence of insurance, or get answers can come at any time. We’re here to send you what you need when you need it so you can get back to work quickly.

  • Access insurance experts that are your advocates

    The team of insurance experts at CoverWallet is more than your advisors, they are your advocates. We’re here for to answer questions and make sure you get the coverage you need.

  • Stay compliant with North Carolina requirements

    CoverWallet helps many North Carolina businesses meet state requirements that mandate any business with 3 or more employees carry Workers Compensation Insurance.

  • Grow your business without getting lost in the insurance maze

    There is a reason agents are required to be licensed to sell insurance. We know it’s a tough road to navigate, that’s why our team is ready and willing to guide you through the maze so you don’t feel overwhelmed.

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.

BASIC

Essential coverage for your North Carolina business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

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
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

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

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.

Workers Compensation

North Carolina requires businesses with 3 employees carry Work Comp Insurance which pays medical bills and lost wages for employees injured on the job.

Business Auto

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.

Cyber Liability

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.

Health Insurance

Now that it is a requirement, many individuals seek out jobs that offer health insurance as a benefit. It is a great way to attract and keep quality employees.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

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.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

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The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we’ve set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We’re like Bruce Wayne! We’ve built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.