From Main Street shops to coastal hotels, we protect Eastern North Carolina businesses with comprehensive commercial insurance. Our independent agents find coverage that fits your industry, your risks, and your budget.
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Every business faces unique risks—and cookie-cutter insurance leaves gaps. Whether you're running a restaurant, managing construction projects, or operating a hospitality venue, our agents work with multiple carriers to build coverage around how your business actually operates.
These foundational policies protect your business from the risks you face every day—property damage, liability claims, vehicle accidents, and employee injuries. Most businesses start here and build additional coverage as they grow.
Some risks require specialized coverage beyond standard policies. From cyber attacks to construction projects, equipment failures to employee disputes, we provide targeted protection for your specific industry exposures.
Competitive benefits help you build a stronger team. We help businesses of all sizes offer health insurance, retirement plans, and supplemental benefits that employees value—without the Fortune 500 price tag.
Our independent agents have protected Eastern North Carolina businesses for generations. We understand the local economy, seasonal fluctuations, and industry-specific risks that coastal businesses face every day.
After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!
I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…
Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …
Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.
Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …
Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.
We identify exposures specific to your industry before they become expensive claims.
When you file a claim, we fight for you—not the insurance company. That's the independent advantage.
Restaurants, contractors, hotels—we know the coverage requirements for your specific business type.
We shop your coverage across dozens of insurers to find the right protection at the best price.
As your business expands, we adjust coverage to match—new locations, equipment, or employees.
No corporate red tape. Your agent has authority to solve problems and answer questions directly.
Protecting your business shouldn't be confusing. Our agents are here to explain your options and find the right coverage. Call us at (252) 637-4173.
A Business Owners Policy (BOP) bundles property, liability, and business interruption coverage into one convenient package—often at a lower cost than buying each separately. However, BOPs have coverage limits and may not fit every business. Larger operations or specialized industries often need standalone policies for more comprehensive protection.
If you store customer data, process credit cards, or use email for business, you have cyber exposure. A data breach can cost tens of thousands in notification requirements, legal fees, and reputation damage—even for small businesses. Cyber liability is increasingly essential, not optional, for modern businesses.
Business interruption coverage replaces lost income and pays ongoing expenses when a covered event—like a fire or storm—forces you to close temporarily. It can cover rent, payroll, loan payments, and even the cost of operating from a temporary location while your business recovers.
Most small businesses start with $1 million per occurrence and $2 million aggregate, but the right amount depends on your industry, contracts, and risk exposure. Some clients and landlords require specific limits. We'll review your situation and recommend coverage that protects your assets without overpaying.
General liability covers bodily injury and property damage—someone slips in your store or your employee damages a client's property. Professional liability (also called E&O) covers mistakes in your professional services—bad advice, missed deadlines, or errors that cause financial harm. Many businesses need both.
Worker's compensation covers injuries and illnesses that occur during employment, regardless of fault. It pays medical expenses and lost wages while protecting you from employee lawsuits. However, intentional self-harm and injuries from intoxication may not be covered. North Carolina requires worker's comp for businesses with three or more employees.