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.

Contact Us to Get a Quote for Commercial Insurance

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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

Esther Tolbert

Great customer service 👍...... Greg is awesome 😎

cindylanier08

I was comparing rates with other local insurance agencies and Greg won my business. He was straight forward, no nonsense, these are the numbers. I'll take that over the sloppy work that cost me time and money somewhere else. Thanks, Greg!

cassie folks

Great employees, work hard to get the insurance that you need.

Veronica Gibson

Awesome family owned insurance business..great insurance pricesExcellent customer service ❤️❤️❤️❤️

Joshua Tabor

Great company, great people!

Response from the owner: Thanks for your great review, Joshua! We appreciate your feedback.

Tru Definition

Amazing services here

Response from the owner: We're glad we could provide amazing service! Thanks for the great review.

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!

Atoya Brannon

I love this insurance company. They always look out and try to get me a better rate.

Response from the owner: Atoya, it is wonderful to hear this. Our goal is to provide our clients with the best rates and policies to meet their needs, so we are thrilled that has been your experience. Thank you so much for sharing!

lashae weeks

They will get the job done within a few minutes

Response from the owner: Thanks for the great review, Lashae! We are so glad we were able to help you!

Opreemo Coaching

I received a better price and easy process. They have a friendly team.

Response from the owner: Thank you for the great feedback! We're so glad the process was smooth.

lisa howie

Katherine is very nice to work with.

Response from the owner: Your review means a lot to us! Thanks for the feedback, Lisa.

Michelle Moore

My experience is and has always been great..Mr Curtis set a standard that the team follows.. I have been with them for over 20 years..love them

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

Chico Bailey

Family owned business. Started with them when I was in highschool with my first car. Looking back I'm glad I did that then!n Ive been knowing them well over 25 years (went to highschool with the son who's now the owner). The best prices and rates, the atmosphere feels like home (25 years later). All agents are very courteous and pleasant throughout the process. They make everything very easy to understand and also will explain thoroughly if anything is left in question. I highly advise you all to ditch the big guys and come here. Again!! Thank me later They are 5 STARS NO MATTER WHAT!! THESE ARE GOD FEARING PEOPLE WHO MEAN WELL FOR ALL COLORS AND BACKGROUNDS. I KNOW THIS PERSONALITY! 🫡

Response from the owner: We're glad we could meet your insurance needs, Chico! Thanks for giving us five stars.

Rhonda Logan

Curtis Helms is an excellent team. I've been a customer since my twenties.

Response from the owner: Thanks for giving us 5 stars, Rhonda!

Preston Meeks

Rebecca really helped me out with getting me a policy that I could afford.. thanks Curtis helms insurance and Rebecca..

Response from the owner: Thanks, Preston! We're glad to have you join our insurance family!

Chamel

Super fast , professional and very nice people! Got us the best quote and made everything super easy ! We will definitely be back and send all of our customers to Curtis Helms insurance!

Response from the owner: Thank you for the awesome review! We’re thrilled you had a smooth experience and can’t wait to help you again.

Contact Us to Get a Quote for Commercial Insurance

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Let Us Help You Protect Your Business

Auto Insurance in Charlotte, North Carolina

Protect your business’ operations with the right insurance policies.

"Very knowledgeable and proactive."

Contact Us to Get a Quote for Commercial Insurance

Services We Offer

Home Insurance

Life Insurance

Commercial Insurance

Contact Us to Get a Quote for Commercial Insurance

We offer the excellent customer service you deserve.

FAQs About Home Insurance

What does home insurance cover?

What does home insurance NOT cover?

Is there a way to lower my home insurance rate?

Why Choose Curtis Helms Insurance?

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

Contact Us to Get a Quote for Commercial Insurance

Let Us Help You Protect Your Business

You Won’t Be Disappointed if You Choose Our Insurance Agency!

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Dump Truck Insurance

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Fleet Insurance

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Delivery Service Insurance

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Get a Quote for Commercial Insurance

Get a Quote for Commercial Insurance

Get a Quote for Commercial Insurance