Business Insurance in North Carolina

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Learn about North Carolina's insurance requirements

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What are the requirements for small business insurance in North Carolina?

State laws can affect which insurance policies you need for your small business. These policies are required for North Carolina businesses.
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Workers' compensation insurance

If a North Carolina business employs three or more individuals, full-time or part-time, it must provide workers’ comp coverage. This policy covers medical bills for work injuries and protects employers from liability over an injury.

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Commercial auto insurance

All business-owned vehicles in North Carolina must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

North Carolina’s commercial auto insurance requirements are:

  • Bodily injury liability: $30,000 per person / $60,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $30,000 per person / $60,000 per accident / $25,000 property damage per accident

Recommended insurance policies for small businesses in North Carolina

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Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following North Carolina professions and more:

Don't see your profession listed? Find more professions.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small North Carolina business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in North Carolina business insurance

In North Carolina, insurance agents, agencies, and brokers are licensed by the North Carolina Department of Insurance. Insureon is licensed in North Carolina as BIN Insurance Holdings, LLC (NPN 15752926) for property and casualty insurance and for surplus lines. You can verify our licensure with the Department of Insurance on its Licensee Look-up page by selecting “Business Entity” in the first dropdown and then entering our North Carolina state license, 1000087158, into the "License Number” field.

What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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