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NORTH CAROLINA BUSINESS INSURANCE

A customized commercial insurance policy from Selective and your independent agent can help protect your operations.

North Carolina boasts a dynamic economy with businesses of all sizes in construction, manufacturing, and mercantile services.

Whether you operate in metro areas like Charlotte and Raleigh or the beautiful Outer Banks area, securing comprehensive coverage is vital to protect against a range of general and industry-specific risks.

With a network of trusted agency partners strategically positioned across the state, you can rely on Selective to craft a business insurance policy that caters to the unique needs of your North Carolina-based enterprise.

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BUSINESSES WE INSURE IN NORTH CAROLINA

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve North Carolina businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), glass and glazing, plaster and drywall, floor laying, metal erection

• Manufacturers and Wholesalers – wholesale durables, industrial machinery, furniture and fixtures, rubber and plastics, apparel

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – building owners/lessors risk, retail food, retail goods, public golf courses

• Auto Services – including repair shops and body shops

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, fire departments

Don't see your profession or want more information? Find a local independent agent in North Carolina for answers and a business insurance quote.

North Carolina Business Insurance from Selective

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution tailored to you.

Business Interruption

Business interruption insurance helps protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in North Carolina can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. It may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may damage your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about North Carolina business insurance from Selective.

“The clarity and ability to understand what had happened and the confirmation of correction was very helpful and appreciated.”

Commercial Customer

Cyber Liability Insurance for North Carolina Businesses

Cyberattacks are a growing risk that all North Carolina businesses should prepare for. Selective's Cyber Liability Insurance can help protect your business against losses related to cybercrime.

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Cyber Liability Insurance for North Carolina Businesses

Get a Business Owners Policy in North Carolina

Selective offers a variety of insurance coverages and enhancements in North Carolina that can help address specific risks in your business, including:

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.
Commercial Flood Insurance in North Carolina helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It can also protect you if there is a loss of contents, including furniture, equipment, inventory, and more.
Product Recall can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

FREQUENTLY ASKED QUESTIONS ABOUT NORTH CAROLINA BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in North Carolina?

The cost of commercial insurance varies from business to business in North Carolina. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in North Carolina?

Businesses in North Carolina must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under North Carolina law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.