Business Insurance in North Carolina

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Get small business insurance for your North Carolina business

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Learn about North Carolina's insurance requirements

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Recommended insurance policies for small businesses in North Carolina

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General liability insurance

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.

  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

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.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

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.

  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Business owner’s policy icon

Business owner’s policy

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.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

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.

  • Accidents involving business vehicles
  • Theft of a commercial vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

North Carolina business insurance requirements

State laws affect which business insurance coverage you need. These policies are required everywhere in North Carolina, from Charlotte to Raleigh.

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Workers' compensation insurance

North Carolina state law requires workers’ compensation insurance for all businesses that employ three or more individuals, full-time or part-time.

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.

Blue check mark

Commercial auto insurance

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:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability

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).

How much does small business insurance cost?

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

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

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.

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