Commercial Insurance, Charlotte, NC

Protect your business’ operations with the right insurance policies.

As the name indicates, commercial insurance provides protection for businesses, including the actual business owners and their employers. Every business is different, so there is no “one-size-fits-all” insurance policy for those who own and run an organization in Charlotte, North Carolina. For example, an auto repair shop will have very different insurance needs than a retail store or a golf course. At Curtis Helms Insurance, we understand this and are here to help you compile an effective commercial insurance policy for your business that reduces liability, mitigates risk, and secures your peace of mind.

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Commercial Insurance in Charlotte, North Carolina

What type of commercial insurance you need and the specifics of your policies depend on many factors including:

The location of your business
How many employees you have
The number of years you’ve been in business
Your gross annual revenue
Whether your business rents or owns its vehicles
Whether you own or lease the building you operate out of

While your business may require specialized policies based on these and other factors, most businesses require professional liability insurance, property insurance, workers’ compensation insurance, vehicle insurance, and business interruption insurance. Our customer-focused team will analyze what your business does and your current insurance policies to determine the right way to proceed.

"Very knowledgeable and proactive."

This a great place to do business! Chris and his staff are very knowledgeable and proactive with the change in policies. They will always make sure the customer's best interest comes first! I’ve done business with them for years and will continue to because they care!

★★★★★ 22^th August 2018 -Ellen S.

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Services We Offer

Home Insurance

Whether you own a single-family home, townhome, row home, or even a condo, you need home insurance to protect your investment.

Life Insurance

Protect your future and your loved ones by securing a life insurance policy specific to your situation.

Commercial Insurance

Mitigate risk and reduce liability by turning to us to update your business’ commercial insurance portfolio.

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We offer the excellent customer service you deserve.

Without the right commercial insurance, you put your business’ operations, profitability, and longevity at risk. If you want to receive a free quote or speak with one of our representatives, get in touch with us at Curtis Helms Insurance today.

At Curtis Helms Insurance, we offer commercial insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Gastonia, Winston-Salem, and Wilmington, North Carolina.

FAQs About Home Insurance

Here at Curtis Helms Insurance, we know that your home is important to you, and we want to help you do what’s best for it. Our team offers high-quality home insurance to help you protect your investment. If you have questions about home insurance, we encourage you to keep reading to find the answers you need below. (If we didn’t get to your question in this article, feel free to reach out to us directly.)

What does home insurance cover?

Most standard insurance policies cover the costs of home repairs or rebuilds, temporary housing arrangements, personal property damage or theft, and liability. In other words, if your home or belongings are damaged, your insurance will pay to replace or repair them. Your policy will also cover the cost of a rental home if your existing home becomes temporarily uninhabitable and will cover any legal or medical expenses you may face as the result of a liability lawsuit.

What does home insurance NOT cover?

Most home insurance policies do not cover flood or earthquake damage, but you can buy separate policies to cover you in those circumstances. In addition, home insurance won’t pay for repairs if the company finds that the damage was caused by a lack of proper maintenance.

Is there a way to lower my home insurance rate?

Most home insurance companies offer a discount for homes that have a security system installed, as the system lowers the risk of the property being robbed or vandalized. If you are looking for additional ways to lower your rate, just give us a call to consult our experts.

At Curtis Helms Insurance, we offer home insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Winston-Salem, and Wilmington, North Carolina.

Why Choose Curtis Helms Insurance?

As an independent agency, we can provide different quotes offered by the most reasonable insurance companies. We can get rates that meet your personal or business needs, so feel free to contact us today to discuss your options and receive your free quote.

See what some of our satisfied clients are saying about our insurance services.

Excellent

4.9

Nick Inman

I have been using Curtis Helms Insurance since I was able to drive! They are always so friendly and helpful and it’s always a pleasure working with them

Response from the owner: Thanks for giving us five stars, Nick! Your feedback means a lot to us.

Rosa Clark

All of the team with Curtis Helms Insurance is great. Rebecca is awesome. I really appreciate her assistance.

Response from the owner: Thank you so much for the kind words, Rosa! We’re thrilled to hear you had a great experience with our team.

Levon

Very charismatic and knowledgeable

Mark Hatfield

Greg was very helpful and I was able to handle everything over the phone and quite efficiently, I might add. Excellent service.

Response from the owner: We're glad we were able to help! Thanks for the review, Mark.

Keisha Stroud

I have been with them for years and love it

Response from the owner: Thanks for sticking with us, Keisha! We appreciate your great review.

Savion Aikens

always courteous service

Response from the owner: We love hearing this, Savion! Thank you for sharing about the kind and courteous service you always receive from our team, and please reach back out whenever you have insurance questions that we may assist you with.

Eric Thomas

Good company and people to do business with.

Response from the owner: Thank you for your kind words! We’re so glad you had a great experience with our team.

Armisha Slade

I been with this company for years my family has used Helms insurance for years, it’s family owned and it feels that way the staff is awesome. I would definitely recommend them for insurance.

Response from the owner: We’re so grateful for your support over the years! It means a lot to know your family continues to choose us for your insurance needs.

Artavius

Great customer service just all around great people

Response from the owner: We really appreciate that! Our team works hard to provide great service every time.

Kalon Williams

Greg was super nice/professional and very helpful

Response from the owner: We’re so happy you had a positive experience! Thank you for trusting our team.

Irina Masters

Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!

Response from the owner: Thank you, Irina! We are grateful for you, too!

Yvette Hines

Curtis Helms agency has always made everyone feel like family. They know you by name and your children and grand children very personable. I love it. 🤗❣️❣️❣️ Greg did a excellent job helping me thanks Greg.

Response from the owner: Thanks for the 5-star review, Yvette! We love building relationships with our valued customers!

Jeffrey Craig

They are the best agency in Charlotte hands down

Response from the owner: We really appreciate your kind words and support. Thank you for choosing us!

Mary Alice Katon

Very friendly staff with personal service. Thanks!

Response from the owner: We're glad you are happy with our level of service! Thanks for the great review.

Ashley Velazquez

Very professional got me the lowest rate.

Response from the owner: Thank you for the great feedback! We’re glad we could help you find the best rate possible.

Tony Martin

Professional. Can actually talk with a agent in person or on the phone.. Old School.. You don't have to talk to a computer first before getting a live person

Response from the owner: Thanks, Tony! We love having you as part of our insurance family.

John Louis Gatti

Chris was super helpful. Made sure to follow up with me to ensure everything was correct. Reassured me that they will help me out with ANYTHING I need. Will plan to us this family owned business in the future

Response from the owner: Thanks for the great review, John! We look forward to working with you in the future!

Blacc Hustle

GREAT INSURANCE COMPANY! EVEN BETTER CUSTOMER SERVICE AND DEPENDABILITY!Thank You Guys for all you do!

Response from the owner: Thank you for sharing your five-star rating! Our team will always be here to assist you whenever you have questions about your insurance plans or rates. Reach out anytime!

Alex Alex

Highly recommend them.Good serviceAnd thanks Greg he was very helpful

Response from the owner: Alex, your glowing review and recommendation mean so much to us. Thank you for sharing how pleased you have been with Greg and our team's service! Whenever we may be of assistance with your insurance needs, please be sure to give us a call.

Sabrina Jacobs

I have used them since forever and would not use anyone else

Response from the owner: Thanks so much for being a long-time customer, Sabrina!

LetsTalk NikkiRadio

Been with Mr Curtis for years, I highly recommend

Response from the owner: Thanks for your longtime service! We appreciate your business and are grateful for your five-star review.

Hemini dagoat

Great job

Response from the owner: Thank you, Hemini! We are thrilled that you have been so pleased with our support. Whenever you have additional insurance needs or questions, please do not hesitate to reach back out!

Michelle Moore

My experience is and has always been great..Mr Curtis set a standard that the team follows..

Response from the owner: We're happy we could help with your insurance needs, Michelle! Thanks for the great review.

karlito calledwell

Fast fast good service

Response from the owner: Thanks for giving us 5 stars, Karlito! Much appreciated.

Mr. Blackwell

Great company and people who stand on what Mr. Curtis started. Hope he's enjoying retirement. And thank you Helms staff for taking great care of my family for over 10 years.

Response from the owner: Thanks for the great review! We appreciate your feedback and we are happy we can take care of your family's insurance needs.