Business insurance
Small business and commercial auto insurance in NC and SC
General liability, commercial auto, and contractor coverage for businesses across North and South Carolina — from a two-truck contractor to a multi-location operation.
Contractors, trades, and small businesses: compare general liability and commercial auto options from multiple carriers in one request.
Get a business quoteCore business coverage
General liability
Helps with third-party injury and property damage claims tied to your work or premises, subject to policy terms.
Commercial auto
For vehicles titled to or used by the business — work trucks, vans, fleets, and delivery vehicles.
Contractor coverage
Liability, tools and equipment, vehicles, and bonds for trades and contractors, often required before a job starts.
Liability
- General liability
- Professional liability / E&O
- Product liability
- Liquor liability
- Data breach and cyber
- Lessor's risk
Property & package
- Business owners policy (BOP)
- Business personal property (BPP)
- Building coverage
- Special event coverage
- Commercial property
Auto & bonds
- Commercial auto
- Fleet
- Contractor and delivery vehicles
- Limo and contracted transportation
- Fidelity and surety bonds
Industries we write
Not on the list? Call us. As a brokerage we can reach markets a captive agent cannot, including harder classes that need to be placed outside the standard market.
Quote checklist
What to have ready
None of this is required to start. Having it handy just makes the conversation faster when your agent calls.
- Business name, what you do, and how long you have operated
- Approximate annual revenue and payroll
- Number of employees and any subcontractors
- Vehicles used for work, with year, make, and model
- Drivers who use those vehicles
- Your current policy declarations page, if you have one
- Any contract or certificate requirements from clients
Business insurance questions
What should I have ready for a commercial auto quote?
The vehicles (year, make, model, and VIN if handy), who drives them, how they are used, where they are garaged, and your current policy if you have one.
What affects the price of a business insurance quote?
Mainly your type of work, revenue and payroll, number of employees, claims history, location, vehicles and drivers, and the coverage limits you choose. Each carrier weighs these differently.
Do contractors need general liability insurance?
Many clients, general contractors, and property owners require proof of general liability before work begins. Your agent can help you match the limits a contract asks for.
Is my personal auto policy enough for a work truck?
Often not. Personal auto policies may limit or exclude business use, so vehicles used for work usually need a commercial auto policy. Your agent can review how your vehicles are used.
Do you write business insurance in both North and South Carolina?
Yes. Both Will and Jamie are licensed in North Carolina and South Carolina.