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

Angela Nelson

Nice doing business with you 😉

Ashley Nevills

The best at everything they do...

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

A'lexis Young

I love them i been using them forever always been great and nice

Darrell Dawkins

I have been with this company from the day I started driving an they are not but great people business wise and they treat you like family my grandparents took me then to them many years ago they to also was a policyholder for many years til they passed on I LOVE YOU GUYS KEEP Up THE GREAT BUSINESS

Response from the owner: We are so grateful for your review, Darrell! It makes us proud to continue serving your wonderful family, and we will keep working hard to find you the best coverage for your needs. Reach out anytime!

Kylla Morrell

I had the very best experience for my first time get insurance. 🎉

Response from the owner: We're glad we could help you get the insurance you needed! Thanks for the five-star review, Kylla.

Erica

Been customer for years always get me right thanks Greg

Response from the owner: We appreciate your review, Erica! Thanks for giving us five stars.

Alice Chisholm

Great fair, understanding Company to work with, will get you Insurance to fit your needs and budget.

Response from the owner: Alice, we are truly grateful for your review. Finding you the best coverage and rates for your needs is our goal, so we are thrilled that you've been so pleased with our guidance. We will continue working hard for you!

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!

James Lifsey

Greg was a pleasure to work with. He took my information and helped me find a fair auto insurance price. Kudos to Curtis Helms Insurance and Greg.

Response from the owner: Nothing makes us happier than knowing you are 5-star-satisfied, James! Thank you for brightening our day with your outstanding rating. Whenever we may be of service, please don't hesitate to give us a call.

Lothario Whitley

This company will find and fix any problems on your policy. They will also give you a call to make sure you're satisfied

Response from the owner: Thanks for your great review, Lothario! We're here to help with whatever insurance needs you have.

Sujeidy Cummings

The best customer service ever …. daughter just got a new vehicle and after calling many insurance places we ended up adding her to our policy they gave us a great discount and I was able to do everything over the phone with out having to leave my job such a piece of mind dealing with professional people they really made my experience a lot easier made my payment over the phone and got my daughters new car insurance over email so yeah this is my experience 👌🏾

Response from the owner: Sujeidy, thank you for sharing about our team's helpful and accommodating services. We are so glad we were able to add your daughter's car and secure you a great discount, too! We will always work hard for you, so give us a call whenever you have a need.

Bishop David Crump Jr

Thanks Greg

Response from the owner: It is a pleasure to receive this top rating, David! Thank you for the shout-out for Greg, as well. Whenever we may assist you with your insurance needs, please be sure to give us a call.

Jeremiah Burr

Good friendly environment and answered all my questions and concerns!

Response from the owner: We're glad we could help, Jeremiah! Thanks for giving us five stars.

Maria Hernandez

Absolute great thank you

Response from the owner: Thank you for the fantastic review! We hope to work with you again.

Marcella Ley

Very curtious and knowledgeable

Response from the owner: Thanks for giving us five stars, Marcella! We appreciate your feedback.

Elle

Thank you. Katherine and Rebecca for your help in getting my policy.

Response from the owner: We're glad we could help with your policy! Thanks for the review, Elle.

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.