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 Monroe, 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 Monroe, 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 commercial insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Gastonia, 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

Judy Woods

I have used Helms Ins over 20+ years. They are like family to me.

Response from the owner: Thank you for being part of the family for over 20 years! Your trust and loyalty mean the world to us, and we're always here for you.

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!

azondria

super friendly • affordable • fast

Angela Arredondo

Always have your best interest at heart.

Response from the owner: Thank you for your review, Angela and for your kind words!

angela mendoza

Great people to help you to get you great rates.

Sidney Rogers

Always pleasant and delightful.

Response from the owner: Thank you for the 5 stars, Sidney!

Tanya Edwards Jules

I've been dealing with Curtis Helms for about 2 years. They have been honest and always found me the best deals.

Response from the owner: Thanks for leaving us this review Tanya! We look forward to earning that 5th star!

David Riley

Always professional- Rebecca

Response from the owner: Thank you for this wonderful feedback! We care deeply about the service we provide to our valued clients, so we are thrilled that our team's professionalism has stood out. Please don't hesitate to give us a call if we may answer any questions related to your coverage!

Ty Etakisse

They are wonderful have had them for 6 years now and they always make sure i have the best rates they are quick and professional thank you Greg and all the agents at Curtis Helms

Response from the owner: We're thrilled to hear you had a great experience with us, Ty. Thanks for your support!

Buckdodgers1906

This Agency is awesome. Chris is a GREAT GUY!!! I'm new to Charlotte, NC and he told me the steps over the phone to help me get NC plates and a Drivers License. He even helped me get new renters insurance for my new apartment. The receptionist is also friendly and helpful. Lets be honest, Insurance isn't the happy happy fun time thing to deal with, but Chris and his agency make getting it fast and easy!!!

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!

Jason JKLMNOQ

Great help

Response from the owner: Thank you for the 5 stars! Providing top-notch service is always our goal.

Juston Curry

Been with Curtis for 20 years+ best in the business

Response from the owner: Thanks for the five-star review, Juston! Call us if you ever need help with insurance again.

Kiah Simmons

Rebecca was uhhh-mazingggg!

Response from the owner: Thanks so much, Kiah! It's wonderful to know you received outstanding assistance from Rebecca, and we remain available to answer any questions you have regarding your coverage. Reach out anytime!

Carolyn Mcilwaine

Very good company

Response from the owner: Thank you, Carolyn! It's a pleasure to know you so highly regard our team's services, and we are here to assist you whenever you have questions about your policies. Please do not hesitate to reach out anytime.

Nikki Royster

I was able to find an affordable quote with Curtis Helms Insurance Agency

Response from the owner: We're so glad you had a great experience, Nikki. Thanks for sharing!

Croslyn Johnson

Christopher was very patient and helpful. He answered all of my questions and promptly. I was very nervous about taking this route so I appreciate his help.

Response from the owner: Thanks for the 5 stars! We appreciate your business.