Business Insurance

Business insurance for the way you work.

From small businesses and professional firms to homeowners’ and condominium associations and nonprofits, we help North Carolina businesses and organizations understand their insurance options. We take time to learn how you operate, explain coverage and cost, and compare available choices from the insurance companies we represent.

Call (910) 762-2489

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Serving North Carolina businesses

Local independent guidance

Insurance guidance as your business changes.

A lease, a new employee, or a change in services can bring new insurance questions. We help you review what has changed, understand policy requirements, and consider the coverage options available for your operations.

When to review your coverage

As your business changes, your insurance needs may change with it. Let’s revisit your coverage when you:

Hire employees or change their responsibilities.
Purchase equipment, vehicles, or additional inventory.
Move, add a location, or sign a new lease.
Offer new services or take on different types of work.
Approach renewal or receive new insurance requirements from a client.

We’ll help you understand what those changes may mean for your coverage and discuss the next steps.

Help with the everyday details

Questions and paperwork are part of running a business. Contact us for help with:

Understanding your policies and coverage options.
Requesting certificates of insurance.
Discussing changes to your business or policies.
Finding billing information and appropriate carrier contacts.
Understanding where to start when you need to report a claim.

Our goal is to make the insurance side of your business easier to navigate, with clear guidance and personal attention.

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Coverage to discuss

Coverage to consider for your business.

Coverage needs depend on how a business operates. We help you evaluate relevant options; availability, deductibles, and exclusions vary.

General Liability

Discuss options for protection against claims of bodily injury or property damage resulting from your operations.

Commercial Property

Explore coverage options for your building, equipment, and inventory in the event of fire, theft, or other covered perils.

Workers’ Compensation

Review potential support for employees who suffer work-related injuries or illnesses.

Business Owners Policy

Consider a package combining general liability and property insurance for eligible small businesses.

Commercial Auto

Explore coverage for vehicles owned, leased, or operated by your business.

Professional Liability

Discuss defense options against claims of negligence, errors, or omissions in the professional services you provide.

* Commercial umbrella policies may also be discussed to provide additional liability limits.

For businesses and organizations

Coverage for the way you work.

Every business and organization has its own needs. We help North Carolina organizations understand coverage options based on how they operate—from professional practices and independent businesses to community associations, nonprofits, and beyond. Explore our guides or contact us to discuss your situation.

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Professional Services

Your expertise is your business. We help professional service firms explore insurance options for their client work, people, and operations.

Explore Professional Services

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Small Businesses

We help small business owners understand insurance options for the people, property, and day-to-day work their business depends on.

Explore Small Business Insurance

What happens next

After you reach out.

Your inquiry will be sent to the right person at Chadwick Insurance. For time-sensitive requests, please call our office.

Frequently asked questions

What information should I have ready for a coverage conversation?

A brief overview of your operations, property, team, and recent changes is a useful start. If you have them, bring your current policy declarations pages.

Can you review my existing business insurance?

Yes. We can look at your current coverages to identify potential gaps, explain what you’re paying for, and explore options with different carriers.

When should I revisit my coverage?

It is a good idea to talk with us when you hire employees, sign a new lease, purchase equipment, or change the services your business offers.

How do I request a certificate of insurance?

Existing clients can call or email our office directly to request a certificate of insurance.

What happens after I submit an inquiry?

After a successful submission, this page will confirm your inquiry was received and sent to the right person at Chadwick Insurance. For time-sensitive requests, call our office.

Tell us a little about your business.

Website inquiry form

Whether you’re opening a business or reviewing existing coverage, we’ll start with what you do and what matters to you.

Your inquiry is sent to the right person at Chadwick Insurance.

Full nameBusiness nameEmail addressBusiness ZIP codeType of businessPhone number (optional)Business website (optional)What brings you here? (optional)When would you like coverage to begin? (optional)Anything else you’d like us to know? (optional)Please don’t include Social Security numbers, payment information, or other sensitive personal details.Send me occasional agency news and helpful insurance information. (optional)

By using this form, you acknowledge our privacy policy. Submitting an inquiry does not bind, change, or cancel coverage.

No coverage is bound, changed, or quoted through this form.