At the Insurance Center we know that your business insurance needs are unique and cannot be satisfied with a "one size fits all" package. We tailor the products available in the insurance marketplace to fit your company's needs then, deliver these products and polices with a skilled staff dedicated to creating a professional, customer-based environment.
We strive to become a part of your team of business professionals searching for the best coverage, the best value and to provide loss prevention plans to positively affect your profitability.
Business Owners Owners of retail stores, automobile repair shops, wholesalers and distributors are examples of the type business eligible for this select insurance program called a Business Owner's Policy. This insurance product combines property and general liability with other coverage typically required by a business in a discounted package. Contact one of our professional agents to tailor this policy to meet your needs.
Commercial Property As the name suggests this coverage is for commercially owned buildings, furnishings, equipment and inventory. Also available in the property form is coverage for property belonging to others, loss of business income, extra expense of maintaining operations and many other optional coverages. Contact one of our professional agents to tailor property coverage for your specific needs.
General Liability When your business operations cause injury or damage to a third party, a general liability policy is the first place to look to provide compensation for the third party's damages. This broad coverage protects your business from simple trip and fall injuries to defective products and recall expense. There are many endorsements and limitations that are found in a general liability policy so it is essential that you discuss your operations with one of our professional agents to tailor liability coverage to suit your needs.
Professional Liability Professionals because of their special skills are upheld to a higher standard of conduct. They are hired to perform their skills with the appropriate standard of conduct. Professional Liability is not covered under Commercial General Liability so special Professional Liability policies have been developed to insure these professionals. These Professional Liability policies go by several different names including:
Errors and Omissions (E&O) Insurance
Directors and Officers Liability
Employment Practices Liability What about losses arising out of wrongful termination, discrimination, sexual harassment, and other employment-related practices? It is important to remember that both the Commercial General Liability and Workers Compensation and Employers Liability policies exclude these losses. This coverage is provided by Employment Practices Liability insurance. Contact one of our professional agents to make sure that you have this important liability coverage.
Business Auto It's shiny and new, weighs in at 50,000 lbs., fully loaded and travels down 2 lane roads at speeds up to 55 mph. Tractors and the trailers they pull, dump trucks, straight trucks and pickups, even the Chevy Cavalier that your salesman operates while drinking his morning coffee and talking on his cell phone; they all expose your company to significant liabilities and expense. Our professional agents will advise you of the proper limits and options available under a business auto policy to suit your special needs.
Workers Compensation In 1911 Wisconsin adopted the first Workers Compensation Law. While it has been modified by various states the intent of the law remains the sole remedy for workplace injuries incurred by employees. As a concession to labor and to eliminate costly litigation, negligence was removed as a defense in workplace injuries. In North Carolina, if your company employs three or more people you are financially responsible for any injury sustained on the job. Let our professional agents fully explain and help properly classify your exposure under the Workers Compensation statute to maximize your benefits and minimize your cost.
Marina Operators Marinas present unique insurance exposures. Navigating the watercraft exclusions found in off the shelf insurance products requires the help of specialists in the marine insurance industry. Our proximity to the coast allows us to know first hand the exposure present and to be proficient at advising coverage solutions. In the marina, operators' possession are often millions of dollars of boats, gasoline and diesel fuel; add to that mix many tired weekend warriors coming in from an unsuccessful day of fishing... this isn't the time to question the exclusions in your policy. Our professional agents are well trained in identifying and advising coverage solutions for our friends at the dock.
Umbrella How much liability protection is enough? You have your corporate shield to protect your personal assets, if it really works. How many years have you given to build that company? Let's face it; there is legacy, future generations and employees' livelihoods to protect; not to mention social responsibility to consider. Let our professional agents show you how inexpensive peace of mind can be.
Main Office 1320 Commerce Dr.
New Bern, NC 28562
Atlantic Station 1010 W Fort Macon Rd STE 8
Atlantic Beach NC 28512