This type of business liability insurance is important for all North Carolina businesses. A general liability policy covers common third-party risks and it's required by most commercial leases.
This policy, also called errors and omissions insurance (E&O), protects North Carolina businesses that provide professional services or advice. It covers lawsuits related to work performance.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for North Carolina businesses that handle credit card numbers and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a North Carolina business.
Businesses in North Carolina that employ three or more people are required to carry workers’ comp insurance. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in North Carolina. It covers injuries and property damage in an accident, along with vehicle theft and other types of damage.
State laws affect which business insurance coverage you need. These policies are required everywhere in North Carolina, from Charlotte to Raleigh.
This business insurance policy covers medical bills for work-related injuries and illnesses. It also provides disability benefits to injured North Carolina workers, and protects employers from liability over an injury.
All business-owned vehicles in North Carolina must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
North Carolina’s minimum requirements for auto liability insurance (and uninsured motorist coverage) are:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill North Carolina's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In North Carolina, insurance agencies, agents, 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 National Association of Insurance Commissioners by selecting North Carolina, licensee, business entity, and then entering our state license number, 1000087158.