Business insurance in North Carolina, South Carolina and Virginia

In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.

We know that you cannot outrun your risk, but you can prepare for it. What if a hurricane causes you to lose power or if a fire severely damages your building? Our Insurance agents can help you identify gaps in coverage, look for ways to save money, and protect your assets and income.

Business Owners Insurance (BOP)

A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

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General Liability Insurance

No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business.

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Business Auto Insurance

Whether you have one vehicle or a whole fleet, we can help you implement custom coverage that will protect your business and personal assets from the additional exposure that commercial vehicles bring with them.

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Commercial Property Insurance

Commercial property insurance protects your assets in the event that they are stolen, damaged or destroyed in a fire or natural disaster. We’ll partner with you to design insurance coverage that will protect your company’s property.

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Workers’ Compensation Insurance

Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. We’ll work with you to find a solution that creates a safer and more productive workplace.

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Commercial Umbrella Insurance

Commercial umbrella insurance is designed to supplement existing insurance policies, giving you an additional layer of protection for your business. We’ll work with you to find the right umbrella solution to cover all your business needs.

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Cyber Liability Insurance

Cyber liability insurance protects your business against the expenses associated with a data breach. We’ll help you evaluate the data liability risks your business faces and find you a policy that meets your specific needs.

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Employment Practice Liability Insurance (EPLI)

As an employer, you face a rising tide of employment practices litigation alleging discrimination, sexual harassment, retaliation and other employment-related issues. We’ll work with you to help you assess and manage your risk proactively.

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Errors & Omissions Liability Insurance (E&O)

Errors & omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions or represents the needs of others. We’ll design coverage that will ensure that one simple mistake does not cause financial devastation.

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Directors & Officers Liability Insurance (D&O)

Directors & officers liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. We’ll work with you to protect your organization’s greatest asset: your senior leadership.

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Flood Insurance

At least 25 percent of businesses that close after destructive events such as floods never reopen. We’ll design a policy that will protect your business, as well as its physical contents and assets, from the damage costs that come from floodwater.

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Crime Insurance

Every company, regardless of size, is a potential target for white collar crime. We’ll work with you to design insurance coverage that helps you minimize risk and protects your business and your assets from theft, fraud and forgery.

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Builders Risk Insurance

Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.

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Liquor Liability Insurance

As a business that serves alcohol, liquor liability insurance is essential. This type of policy protects you and your business in the unfortunate event that a customer causes damage or injury after being served alcohol by your business.

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Special Event Insurance

The stress and cost of organizing a special event is tough enough. The last thing you need to worry about is the financial risk you could face if something were to go wrong! Special event insurance removes this burden and allows you to focus on the event.

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Bonds

Getting bonded provides comfort to your clients and can protect you from risks that could endanger your business.

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Environmental Insurance

Environmental concerns continue to be a leading societal and business risk issue, sometimes posing serious unexpected challenges. We’ll work with you to create a custom solution to help protect your business against environmental risks.

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Systems Breakdown Insurance

Systems breakdown insurance covers the sudden and accidental, physical damage to equipment that requires its repair or replacement. We’ll design comprehensive coverage to protect your business against a financial disaster.

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Key Man Life Insurance

Key man life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure continuity of your business for employees, customers and creditors.

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Fiduciary Liability Insurance

Fiduciary liability insurance protects individuals acting as ERISA fiduciaries against fiduciary-related claims of mismanagement of a company’s employee benefit plan. We’ll work with you to ensure that employee benefits are handled responsibly and your trustees are protected.

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Inland Marine Insurance

Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.

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Event Cancellation Insurance

You spend time and money planning your events – so protect yourself from disaster! If your event is suddenly cancelled or changed- you may lose revenues and clients. With Event Cancellation Insurance, your lost revenues can be recovered.

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Our experienced Life Insurance and Benefits professionals take the time to understand your business needs. They bring bold thinking and industry expertise to help you stay on top of regulations and economic trends, so you can focus on your first-priority – recruiting and retaining the best employees and protecting yourself as an owner. They work as your advocate to keep your organization vital over the long-term.

Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

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Life and Accidental Death and Dismemberment Insurance

Some employees may want coverage that goes beyond life insurance or workers’ compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

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