Commercial Insurance


Find out why businesses trust us to have their back in

Western North Carolina today!

  • No Fluff. No Confusion.
  • Experienced Agency.
  • Extraordinary Service.

Business Owner Basics

small business liability insurance anne rose

Our Business Owner's Policies help cover your business from claims resulting from things like fire, theft or other covered disasters. We can create the perfect plan for your business covering:

  • Property Coverage
  • Liability Coverage
  • Data Breach Coverage
  • Business Income for Off-Premises Utility Services
  • Other Specialized Coverages

General Liability

commercial liability contract signing with anne rose

Our commercial liability insurance, provides insurance coverage for your business against claims made by others including: 

  • Bodily Injury
  • Damage to Property
  • Personal Injury
  • Advertising Injury
  • Electronic Data Liability

Commercial Auto

business atuo insurance in murphy nc

Our commercial auto insurance, also known as commercial vehicle insurance, covers business-owned vehicles. We offer the best rates if you:

  • Travel To and From Job Sites
  • Transport Tools and Equipment Used for Business Purposes
  • Transport Employees or Clients

Commercial Property 

commercial property insurance anne rose office

Our commercial property insurance can be used to cover a variety of situations. It protects your company’s physical assets from explosions:

  • Fire
  • Storms
  • Vandalism
  • Theft
  • Burst Pipes

Commercial Fire Insurance

fire fighter standing tall

Most policies come with some form of fire protection, but homeowners may be able to purchase additional coverage in case their property is lost or damaged because of fire. Purchasing additional fire coverage helps to cover the cost of:

  • Replacement 
  • Repair 
  • Reconstruction of Property

Homeowners insurance policies include fire coverage, but it may not be extensive enough for some homeowners.

Workers Compensation 

workers compensation insirance

Our Workers Compensation provides medical and wage benefits to people who are injured or become ill at work.

The lack of federal standards for workers' compensation has resulted in deeply varied policies for the same kinds of injuries in different parts of the country. We help create a specialized coverage plan for your employees. 

Commercial Umbrella

commercial umbrella insurance anne rose office

Our Commercial Umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without our commercial umbrella policy you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as:

  • Legal Fees
  • Medical Bills
  • Damage Expenses

Usually, the more your business interacts with clients and customers, the higher your liability risk will be. Our commercial umbrella insurance can help mitigate that risk.

Cyber Liability

cyber insurance anne rose

Your computer system might contain sensitive data that belongs to other parties such as customers, employees, or vendors. If the data is lost or compromised by a hacker, the owners might sue your company for damages. We offer coverage for:

  • Loss or Damage to Electronic Data
  • Loss of Income and Extra Expenses
  • Cyber Extortion
  • Notification Costs

Crime Coverage

commercial crime insurance

Our Commercial Crime Insurance can cover your property, merchandise, cash, and securities against theft, embezzlement, or forgery by employees. It can also protect: 

  • Non-Employee Third Parties Who Commit Forgery
  • Theft
  • Burglary
  • Fraud

The reality is that no business is truly safe from this risk. While some commercial insurance policies may provide minimal coverage for certain criminal acts, Commercial Crime Insurance provides comprehensive protection against a wide variety of crimes.

Commercial Flood

Commercial Flood Insurance

Commercial flood insurance helps protect your business from flood damage. This type of commercial insurance can help protect your business’ physical location and the contents inside.

Flooding is the most common natural disaster in the United States. While some floods are caused by tropical storms and hurricanes, most occur as a result of thunderstorms, heavy rains, rapid snow melt and breaches of levees or dams. Regardless of how it occurs, even a minor flood can cause major damage.

Let's Schedule A Meeting to Build A Policy that is Tailored to Your Specific Business