Contractors Insurance and Small Business Owners Insurance in Chapel Hill, Greensboro, Raleigh, Durham, High Point, Winston-Salem and the surrounding areas

Are you starting your own business? Are you an entrepreneur, then you’ve come to the right company. We are prepared to be your insurance consultants. Whatever endeavor you are seeking, we will advise you about the correct insurance that is needed and available.

A Business Owners Policy is typically the best way to protect your small business for a lower premium.  It combines multiple insurance coverages into one policy. The combined coverages can be commercial property insurance, general liability insurance, and business income. There is no substitute for professional experience and the team at The Insurance Center of Durham can get you started by reviewing your business needs.

Commercial Property Insurance: this insurance protects your building, your equipment, and your inventory.

General Liability Insurance: property damage or physical injury claims, caused by your business operations, products, or business premises, can be covered by general liability insurance.

Business Income: this insurance helps you pay your employees and any bills if you must close your business temporarily.

Since all business are different, there are additional BOP options available. These include:

Accounts Receivable – which offers protection against any losses from invoices that have gone unpaid.

Cyber Liability – any damages or attacks to electronic data or computer systems is covered.

Equipment Breakdown – this covers all equipment, including computers, if they breakdown and stop working properly.

Personal and Advertising Injury – coverage for copyright infringement, slander, and libel.

Rented Vehicles – liability coverage for the leased, hired or borrowed vehicles.

Employment Practices Liability – covers liability of wrongful acts, such as wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage violations.

If your small business is in Winston-Salem, High Point, Raleigh, Durham, Greensboro or the surrounding areas, we are here to help. Whether it is a retail store, auto repair or café, our agents have worked with every type of small business and will be able to find the right insurance for your needs.

All types of businesses need insurance. We are experienced with all types of insurance, and we are devoted to assisting small businesses know what protection they need. Whether you are a non-profit, restaurant, a retail services, health service (such as a Dentist, Optometrist, Small Medical Practice,) social services, hospitality, small business liquor liability, special events insurance, or an independent contractor, we want to review your business risks and insurance options.

Contractor liability insurance

This is a business insurance which helps to protect your business assets and employees when an unexpected event occurs, and it provides coverage if your business faces a covered loss or lawsuit.  The professionals at Insurance Center of Durham are here to assist you in finding the right contractors insurance and small business owners insurance for your company. We understand what it takes to launch your own small business and be independent, and we also realize that independent contractors have the same legal obligations and liability exposures as larger firms. Contractors can be sued for damaging client property, causing bodily harm, or even improper advertising. Protect your investment from the very beginning. Whether you have a new business or have been in business for years, we understand the types of insurance protection you need.