Commercial Services
We are dedicated to our business clients and understand the importance of appropriate and complete coverage coupled with the best value for your insurance dollar.
Property/Liability/Crime
Property
Coverage for your property can include your buildings, business personal property including leasehold improvements and inventory, loss of earnings, and numerous other category specific property forms.
General Liability
Coverage to protect your business in the event you are found to be legally liable for a covered loss invovlving bodily injury or property damage to a third party. This coverage includes comprehensive general liability, products/completed operations, personal/advertising injury, fire legal liability, premises medical and employee benefits liability.
Crime Coverage
Can cover your business for loss due to various types of employee dishonesty, embezzlement, and theft.
Workers Compensation
The State of North Carolina requires any employer who has 3 employees or more to provide Workers Compensation coverage. This coveragee is required by law and is, therefore, not an optional. The insurnace carriers that offer Workers Compensation in North Carolina do not all charge the same rates for each class of business. The differences in rates by class code from one company to the next can be dramatic. We represent some of the most competitive Workers Compensation providers in the State.
Professional Liability
Also known as Errors & Omissions Liability (E&O), Directors & Officers Liability (D&O), or Malpractice Insurance, Professional Liability provides our clients with insurance protection if a suit is brought against them claiming, among other things, that the advice a person gave or failed to give, or the acts they performed or failed to perform for a client/patient, caused financial loss or bodily injury.
This type of litigation can be very expensive to defend. Even if the claim is denied by the court, there are often significant attorney fees involved. Professional liability coverage can respond both to damages awarded and defense costs incurred for these type of claims.
Umbrella
Provides additional amount of liability coverage from $1,000,000 to $50,000,000 or more depending on the needs of your business.
Surety Bonds
We offer all of the various type of surety bonds that you may be required to provide:
- License bonds
- ERISA bonds (401k & pension plan bonds)
- Fidelity bonds
- Performance bonds
- Bid bonds
- Shipping bonds
Employment Practices Liability / Director & Officers Liability
Employment Practices Liability
Covers your business and your directors and officers for lawsuits from employees alleging various types of discrimination such as sexual, age, race, gender, sexual preference and many more.
Directors & Officers Liability
Covers the Directors & Officers of the Corporation against various types of lawsuits alleging that, due to the negligent decisions made (or not made) by them in conducting the Corporation's business, injury was caused and/or damages resulted to third parties.
Commercial Forms:
Get a Commercial/Business Quote
Make a Certificate Request
Get a Commercial Renewal Review
Report a Commercial Claim
"Linda Welborn is truly an asset to your agency. I have been so impressed with her oustanding customer service that I refer many people to your agency because of the great care and attention she gives to all of her customers."
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What's New
Six Signs That Your Injured Employee is being Treated by a Non-Employer Friendly PhysicianMost states allow an injured worker to seek care with whatever physician the employee prefers. There are some rules to follow, but as long as the doctor cooperates there usually is not a problem.
Should you buy Flood Insurance?
Flash flooding can occur anywhere, regardless of whether your property is located within a defined "Flood Zone" area. A standard homeowner’s or business owner's policy does not cover flood damage. You must purchase a separate policy to have coverage for damage caused by "rising surface waters". Pipes bursting, leaking, or other water damage from internal water sources are generally considered to be covered causes of loss and are not considered "floods".
How Safe Is Your Winter Heating?
Is the chill of winter creeping in and around your house? The best defense is making sure your home’s heating system is maintained properly. Follow these tips for extra efficiency and warmth:
- Have a professional inspect your heating system once per year, before winter hits.
- Replace air filters often, per the manufacturer’s recommendation (the professional who inspects your heating system can tell you what’s best).
- Seal up air leaks and add insulation around the house.
- Clean registers and make sure they’re not blocked by furniture, carpets or drapes.
- Bleed trapped air from hot water radiators.