Commercial Insurance

Professional Liability Insurance

Also known as Errors & Omissions Liability (E&O), Directors & Officers Liability (D&O), Malpractice Insurance, and Employment Practices Liability Insurance, Professional Liability policies provide 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 types of claims.

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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.

General Liability Insurance

Liability Insurance provides coverage in the event you are found to be legally liable for a covered loss involving bodily injury and property damage to the public or your customers at your business premises or where your operations are conducted. This coverage includes comprehensive general liability, products/completed operations, personal/advertising injury, fire legal liability, premises medical and employee benefits liability. Coverage can also be provided for your products and completed operations. This protection also includes the cost of attorney's fees.

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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 coverage is required by law and is, therefore, not optional. The insurance 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.

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Property Insurance

Property Insurance protects against direct physical loss to covered property at premises you own or rent, resulting from a covered cause of loss.

Coverage can be provided for buildings, business personal property including leasehold improvements and inventory, loss of earnings, and numerous other category specific property forms. Rates are based on how the occupied building was constructed, its location, age, size, and cost of replacement.

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Cyber Liability & Data Breach

With cyber security becoming a growing concern in today’s world, most businesses that keep any type of customer data stored in their computer systems will want cyber liability insurance. Data breaches from cyber attacks can result in costly damages. It only takes one stolen laptop, resourceful hacker, or computer virus to compromise your network. Data breach insurance and cyber liability insurance helps cover the costs of a data security breach for things like identity protection solutions, public relations, legal fees, liability and more depending on the coverage you choose. You want data breach coverage in place because quick action is critical to help restore the public’s confidence if your business is victimized by a cyber attack.

To mitigate the risk of civil litigation and other penalties when a data loss or theft occurs, a cyber liability or data breach insurance policy can provide access to professional assistance to help businesses comply with applicable laws and regulations.

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Umbrella

Provides additional amount of liability coverage from $1,000,000 to $50,000,000 or more depending on the needs of your business.

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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
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Employment Practices Liability / Director & Officers 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.

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Additional Insurance Offered

Please click each icon to learn more about the insurance policy.