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

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! 🫡

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.

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.

Phyllis Mckinney

Been there for years good service

Response from the owner: Thank you for giving us 5 stars, Phyllis!

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.

Tameeka

Great customer service. Greg help me with getting the best rate possible. He was very honest and helpful. I would recommend them to anyone.

Response from the owner: Thank you for your positive review! We are so glad you're pleased with Greg's service. He's a great asset to our team!

Aaron Davis

Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯

Response from the owner: Thanks so much for recommending us! We really appreciate it!

YARED TIKUE

Great customer care !!!

Response from the owner: We love taking care of our customers! Thanks for giving us five stars.

Charles Hoyle,Sr

The best.Better then the big guys and believe me I've tryed them.

Response from the owner: Thanks for the great review, Charles! We are so glad you enjoy working with us!

Jackie Cureton

Everyone is nice& has very great customer service & quotes are wonderful....

Mary Ryan

Never have a problem that they can't fix. Been with them for years. Very nice people 👍

Response from the owner: We love hearing this, Mary! Thank you for being such a loyal client and complimenting our wonderful team. We look forward to assisting you with your insurance needs going forward!

Franchester Wilson

This company was a very good insurance provider for me over the 4 years I was with them and they always made sure to provide me with a budget friendly policy but awesome coverage. Greg was an awesome agent and the staff as well are always a delight to work with. If I hadn't changed states I'd still be with them lol

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

Candida

feel good

Response from the owner: Candida, thank you for sharing such positive feedback. It's gratifying to know you've found our assistance to be worthy of 5 stars, and we will continue working hard to find you the best coverage for your needs. Reach out anytime.

Chris Jenrette

Excellent agent. It’s nice having an agent you can contact and deal with directly. I’ve already recommended to a couple friends.

Response from the owner: Thank you for your review and your recommendations! We appreciate your feedback, Chris.

kalil bathily

A great insurance company always ready to help customers at any time and they will satisfied your needs and will provide you an excellent service. I really appreciate your help and service.Thank you.

Response from the owner: We believe in providing great service at all times! Thanks for the kind review.

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.

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!

Trice Kirkland

Very great and helpful insurance company

Response from the owner: Trice, we couldn't be happier to have earned this top rating from you. Thank you for making our day! And please continue to reach out whenever you have any insurance-related questions that we may answer for you.

Edris George Prince

My agent to my personal finances into consideration, she was very compassionate and helpful

Response from the owner: Edris, we couldn't be happier to hear how much our personalized assistance has meant to you. Thank you for brightening our day with your glowing review!

ShaQuita Boyd

Greate been with them for 8 years

Response from the owner: Thank you for being such a loyal customer and for sharing this incredible review, ShaQuita! We will continue working hard to find you the best coverage to meet your needs. Reach out anytime.