Business Insurance
Comprehensive commercial coverage for businesses across NC, SC & VA.
Coverage built around your business
As an independent agency we work for you - not the insurance companies. Every business faces unique risks, and we have the market access to find the right fit across all commercial lines.
Coverage States · NC · SC · VA
Bonds / Surety
Guarantees your business will fulfill contractual obligations. Commonly required for contractors and licensed service providers.
Business Auto
Covers vehicles owned or used by your business for liability, collision, and comprehensive losses.
Business Owners Policy
Bundles general liability and commercial property into one cost-effective policy. Ideal for small to mid-sized businesses.
Commercial Property
Covers your building, equipment, inventory, and physical assets against fire, theft, vandalism, and other covered losses.
Commercial Umbrella
Provides an additional layer of liability coverage above your existing policies, protecting against large or catastrophic claims.
Crime
Protects against financial losses from employee theft, forgery, fraud, and other criminal acts targeting your business.
Cyber Liability
Covers costs from data breaches, ransomware, and cyber incidents including notification, recovery, and legal expenses.
Directors & Officers
Protects executives and board members from personal liability arising from management decisions and governance claims
Employment Practices Liability
Covers claims alleging wrongful termination, discrimination, harassment, or other employment-related violations.
Environmental
Covers liability and cleanup costs from pollution, contamination, or environmental damage caused by business operations.
Errors & Omissions
Protects professionals against claims of negligence, mistakes, or failure to perform services as promised.
Fiduciary Liability
Protects plan administrators from claims alleging mismanagement of employee benefit plans.
Flood
Covers physical damage caused by flooding, typically excluded from standard commercial property policies.
General Liability
Protects against third-party claims of bodily injury, property damage, and advertising injury.
Inland Marine
Covers equipment, tools, and goods in transit or stored off-premises. Essential for businesses that move property across locations.
Ocean Marine
Covers cargo, vessels, and freight moving over water against loss, damage, and liability during marine transit.
Special Event Insurance
Protect individuals, organizations, and businesses from financial losses associated with hosting a one-time or recurring event.
Systems Breakdown
Covers sudden mechanical or electrical failure of equipment, including resulting business interruption losses.
Workers Compensation
Covers medical expenses and lost wages for employees injured on the job, and protects employers from related lawsuits.