INSURANCE SERVICES
We provide insurance in all of North Carolina, from Charlotte, Raleigh, Wilmington, and smaller places such as Smithfield, Selma, Benson, etc. Anywhere in North Carolina, we cover.
We carry all types of insurance policies:
- Auto Insurance
- Homeowners Insurance
- Business Liability Insurance
- Garage Keepers Insurance
- Collision Insurance
- Garage Liability Insurance
- Property Insurance
- Workers’ Compensation Insurance
AUTO INSURANCE COVERAGE
Auto insurance provides property, liability and medical coverage if requested.
- Property coverage pays for damage to or the theft of your vehicle
- Liability coverage pays for legal responsibility to others for bodily injury or property damage
- Medical coverage pays for medical bills and more
- Multi-policy discounts available
- Rental car coverage available
- Easy, convenient payment plans
BUSINESS GENERAL LIABILITY INSURANCE
General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
General Liability Protection usually includes coverage for:
- Bodily Injury
- Property Damage coverage for the physical damage to property of others or the loss of use of that property
- Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
- Products Liability is a more specific product liability insurance that protects your company against lawsuits from product-related injury or accidents
- Contractual Liability extends to any liability you may assume by entering into a variety of contracts
Other Business General Liability Insurance Coverages may include:
- Reasonable Use of Force
- Borrowed Equipment
- Liquor Liability
- Non-Owned Vehicles (such as aircraft and watercraft)
- Fire, Lightning or Explosion Damage;
- Water Damage Liability Protection
- Legal Defense Costs
- Medical Payments
- Personal Injury
- Advertising Injury
- Liability protection for specific business types
COMMERCIAL INSURANCE
As a business owner, you need similar insurance coverages for the vehicle you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical and coverage for uninsured motorists. If a vehicle is owned by the business, the name of the business must appear on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.
HOMEOWNERS INSURANCE
Homeowners Insurance provides financial protection against disasters. A standard policy insures the dwelling itself and the possessions you own and keep there.
- Homeowners insurance covers damage to your property
- Your liability or legal responsibility for any injuries and/or property damage you or members of your family cause to other people.
- Homeowners insurance includes damage caused by household pets
- Damage caused by most natural disasters is covered but there are exceptions.
Exceptions include: damage caused by floods, earthquakes and poor maintenance. There are separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
WORKERS COMPENSATION INSURANCE COVERAGE
Workers’ compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer. Workers’ Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers’ Compensation Insurance. Workers’ Compensation Insurance is not health insurance. Workers’ Compensation is designed specifically for injuries sustained on the job. Workers’ compensation insurance must be bought as a separate policy.