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Commercial Insurance, Charlotte, NC

Home > 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."

 
Testimonial

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!

★★★★★ -Ellen S.

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Services We Offer

Home Insurance

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

Life Insurance

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

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

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
Latonya Evans
Latonya Evans
I have been with the Helms family for a few years their very friendly and helpful I enjoy doing business with Curtis Helms.
Response from the owner: Thanks for the 5-star review, Latonya!
Alice Chisholm
Alice Chisholm
Great fair, understanding Company to work with, will get you Insurance to fit your needs and budget.
Denise Gaddy
Denise Gaddy
They Are Great
Response from the owner: Thanks for the 5-star review, Denise!
Keisha Stroud
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.
ッiiToobe
ッiiToobe
Very helpful
Response from the owner: Thanks for the 5-star review!
Phil Guenther
Phil Guenther
Curtis Helms Insurance has some of the friendliest and knowledgable agents in the industry. They go out of their way to take care of their customers, and we are so appreciative!
Response from the owner: We're glad we could help with your insurance needs, Phil! Thanks for the great review.
Aneisa Woodcock
Aneisa Woodcock
Quick easy best quote I got in a while. They are fast with what they do costumer service is excellent
Response from the owner: Thanks for the great review, Aneisa! Customer service is something we focus on every day.
brenda Atkinson
brenda Atkinson
Greg was a great help. Professional and respectful.
Response from the owner: We're glad we could help you out, Brenda! Thanks for the great review.
Roderick sellers
Roderick sellers
Been dealing with them for over 20 years they the best
Response from the owner: Your review means a lot to us, Roderick! We hope we can continue to meet your insurance needs for another 20 years.
Dennis Lowery
Dennis Lowery
Always handles our insurance needs quickly and great prices!
Response from the owner: Thanks, Dennis! We're so glad to have you as part of our insurance family.
Vannessa Douglas
Vannessa Douglas
I have been with this company for years. Every time I call and need assistance or additional help with anything, they are always pleasant. They search for the best affordable policy and move expeditiously. Even when the policy laps, I can call and they never treat me any different. They receive me with open arms and a smile
Response from the owner: Thanks for your kind review, Vannessa! We're always happy to help out with your insurance needs.
Siovhan Filmore
Siovhan Filmore
Been great for over fifteen years
Response from the owner: Thanks for the five-star review! Call us whenever you need insurance help.
Veronica Gibson
Veronica Gibson
Awesome family owned insurance business..great insurance pricesExcellent customer service ❤️❤️❤️❤️
Richard auberry
Richard auberry
Chris Helms was so easy to talk to he took very little time to get me what I needed. No runaround straight to the point in getting my insurance.
Response from the owner: We are thrilled to hear this, Richard! Thank you for spreading the word about Chris' honest and helpful service, and rest assured that we will continue working hard for you. Reach back out anytime.
Jelani Burwell
Jelani Burwell
Great company, great staff, fast service and awesome prices. Curtis Helms Insurance is definitely the place to go to!
Response from the owner: We’re so grateful for your kind rating! Thank you for leaving a review.
Herbert Worthy
Herbert Worthy
Great service they work hard to get u the best rates
Response from the owner: We’re so grateful for your 5-star rating! Thank you, Herbert!
Todd Family
Todd Family
The best insurance company I’ve ever dealt with and awesome customer service. I’m recommending all family friends and anyone that needs great service for the best price
Response from the owner: Thanks for the great review! We're glad you are one of our clients and hope to meet your insurance needs for many years to come.
Gwendolyn “Honey” Higgs
Gwendolyn “Honey” Higgs
This was a great experience thank you .
Response from the owner: We're glad you had a great experience! Thanks for giving us five stars.
Janet Lynne Morgan
Janet Lynne Morgan
Thank you so much for the excellent service and support through the process of getting my new homeowners policy. Everything was very easy and clear and it was handled professionally. I really appreciate it thank you so much. 😊
Response from the owner: We're glad we could help with your insurance needs, Janet! Call us whenever you need help in the future.
Angeleyesnc37
Angeleyesnc37
Great customer service and fast and affordable rates
Response from the owner: Your review means a lot to us! Thanks for giving us five stars.
BigDaddyCain
BigDaddyCain
Great customer service, Have been using him for years now and Is always very helpful.
Response from the owner: Thanks for giving us 5 stars! We are so glad you've had a positive experience working with us!
Naesha Moser
Naesha Moser
Great people to speak to on insurance for your car, boat, house, animals, bike, or RVs!
Response from the owner: Thank you for your kind words! We're always happy to help with all your insurance needs.
Tracy Nelson
Tracy Nelson
Thank you for helping me.
Response from the owner: Thanks for the five-star review, Tracy! Call us for any and all of your insurance needs.
Jeremy Nixon
Jeremy Nixon
Absolutely the best agency I've ever dealt with. Katherine is AMAZING!
Francine Wylie
Francine Wylie
Great place for insurance.
Response from the owner: Thank you! Your support means a lot to our team.
Esther Tolbert
Esther Tolbert
Great customer service 👍...... Greg is awesome 😎
Response from the owner: Thank you so much, Esther! It's wonderful to know you think so highly of our services, especially the support you have received from Greg. Please don't hesitate to reach back out anytime.
cindylanier08
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!
Response from the owner: Cindy, we couldn't be happier to hear how impressed you were with Greg's knowledgeable, straight-forward service! Thank you for encouraging us with your wonderful review.
cassie folks
cassie folks
Great employees, work hard to get the insurance that you need.
Response from the owner: Cassie, your feedback is precisely what we hope to hear. Thank you so much for sharing your praise for our team and our efforts to get you the best coverage for your needs! Reach back out whenever we may assist you further.
Joshua Tabor
Joshua Tabor
Great company, great people!
Response from the owner: Thanks for your great review, Joshua! We appreciate your feedback.
Tru Definition
Tru Definition
Amazing services here
Response from the owner: We're glad we could provide amazing service! Thanks for the great review.
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Let Us Help You Protect Your Business

Auto Insurance in Charlotte, North Carolina
Auto Insurance in Charlotte, North Carolina
Auto Insurance in Charlotte, North Carolina
Auto Insurance in Charlotte, North Carolina
Auto Insurance in Charlotte, North Carolina

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

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

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Get a Quote for Commercial Insurance

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Get a Quote for Commercial Insurance

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