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!
Several months ago we had a flood in our home due to a defective valve in our guest bathroom. Needless to say we came home to a disaster. We immediately contacted our agent, Linda Welborn. Right on the spot she gave us the name and phone number of a company to call (Disaster One). They came out that evening (around 11:30pm) and worked through the following morning around 6:30am. They did an outstanding job! We were so impressed with their "sense of urgency" and "expertise" we assigned all of our repairs to their company. The insurance adjuster(Erie Insurance) cut no corners when it came to replacing damaged items. They issued repair orders on things we weren't even aware we needed to look for. They too did a great job in getting everything processed quickly. It's great to have such a Professional agent who treats us like we are her only customer. I have been so impressed with her outstanding customer service that I refer many people to your agency because of the great care and attention she gives to her customers. Thank you Linda for your outstanding service! We look forward to working with you in the years to come.
Linda Martinez, Merfin Systems, LLC

Read what others have to say.

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There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
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