Commercial Services

Commercial Insurance Winston Salem

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 (1 owner and 2 employees)to provide Workers Compensation coverage. This coveragee is required by law and is, therefore, not 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

What Our Customers Say!

Fletcher Wilson has established himself as a highly-skilled insurance professional.  He and his firm excel in all areas pertaining to Insurance and Risk Management solutions.  Fletcher has built a reputable firm in our community with trustworthy associates.  He and his team handle their clients in a very professional manner. 

Steven H. Davis, Principal at Holden & Mickey, Inc.

Read what others have to say.

What's New

5 Ways to Control Rising Homeowners Insurance Premiums
6/10/2017
Just as with real estate values, location rules when it comes to homeowners insurance costs. According to the National Association of Insurance Commissioners, the average annual U.S. premium was $842 in 2015, the most recent year for which figures are available. Floridians paid the highest rates, averaging $1,534 a year, while at the opposite end of the spectrum, homeowners in Idaho paid $422.  North Carolina residents averaged $664 per year. 
 
Fortunately, you can take several steps to bring down the cost of your own homeowners policy, short of packing up and moving:
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5 Reasons Why Auto Accidents Are on the Rise
3/8/2017

According to the National Safety Council, traffic deaths increased 6 percent to 40,200 — the first time since 2007 that more than 40,000 have died in motor vehicle crashes in a single year.The 2016 total follows a 7 percent rise in 2015. Much of this is attributed to continued lower gasoline prices and an improving economy which has increased motor-vehicle mileage. 

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Questions about Your Claim? We Can Help...
12/28/2016

There are a few things you can do to help speed up your home insurance claim process. 

You can file a homeowners insurance claim by contacting:

  • Our agency; or
  • One of your carrier's local offices
You can also file the claim online. Most carriers we represent have adjusters available 24/7 – ready to help you. The sooner you report the loss, the faster we can get moving on your claim. 
Read More »