Commercial Insurance, Charlotte, NC

Posted by Insurance Specialist February 13th, 2024

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.

 
Great insurance company. Accurate and on point
karlton caldwell
karlton caldwell
18:24 15 Jun 24
You guys are one of the best insurance companies around, my whole family and friends have deal with you all for years, keep up the good work 👍
Penny Grissett
Penny Grissett
20:44 13 Jun 24
Thank you so much
Shawanna Watson
Shawanna Watson
18:57 13 Jun 24
Timely and helpful.
oretha pearce
oretha pearce
18:48 13 Jun 24
Professional friendly nice very welcoming
Theodore Wallace
Theodore Wallace
16:07 13 Jun 24
Customer service is awrsome
Julie Earley
Julie Earley
19:54 12 Jun 24
Good customer service.
Kathleen Murray
Kathleen Murray
18:44 07 Jun 24
Great company. Great people. I’ve had insurance with Curtis helms for almost 20 years.
Shauntavia
Shauntavia
18:36 07 Jun 24
My experience is and has always been great..Mr Curtis set a standard that the team follows..
Michelle Moore
Michelle Moore
14:14 07 Jun 24
Absolutely outstanding! I have been a loyal customer over several years and i have not one complaint. I love the Curtis family and i will forever be apart of them! Great service and prices you can’t deny.
Keanshay Mack
Keanshay Mack
21:27 05 Jun 24
Amazing company and very reasonable prices for insurance
kiana harris
kiana harris
18:55 04 Jun 24
Great staff. They are efficient and kind and they get you the help you need in no time at all.
Princess Masukume
Princess Masukume
14:24 31 May 24
It’s a great insurance company all the workers treat you like family
ARTAVIUS MYERS
ARTAVIUS MYERS
21:26 29 May 24
Great customer service.Very helpful. Highly recommend them.
Jose Melendez
Jose Melendez
13:20 29 May 24
Always professional service!Thank you so much
VanTara Burney
VanTara Burney
18:41 28 May 24
Worked with Alex for a smooth transition.
Calvin Moore
Calvin Moore
17:26 28 May 24
Right on time.
melvin quick
melvin quick
18:02 24 May 24
Nicest people you will ever meet. Have been doing business with them for 12 years. Always get me the best rates . Thank you all
Bonnie Thomas
Bonnie Thomas
12:13 24 May 24
Wonderful experience working with the Curtis Helms Team!
Crystal Perry
Crystal Perry
18:53 19 May 24
Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.
Melina Stanton
Melina Stanton
18:58 15 May 24
Great customer service! We ended up changing all of our policies over to Curtis Helms. He provided us quotes with multiple options right away and followed up to make sure we understood them. The transition was seemless
Dawn Minutole
Dawn Minutole
22:29 10 May 24
I recommend Curtis Helms Insurance company to EVERYONE! I have been with them for so many years they are great always treats you like family 😊 and helps you get the best policy
josephine lopez
josephine lopez
15:01 09 May 24
I've been using Curtis Helms for over 20 years. I always refer family, friends, or anyone who is looking for insurance.
David J. Jones
David J. Jones
11:50 09 May 24
It was nice
Lasana Oye
Lasana Oye
02:54 04 May 24
I left and now I am back great prices and good customer service!!!
Raye Martin
Raye Martin
22:21 03 May 24
Have been dealing with them for years and they have always been very helpful. I would highly recommend to anyone
Renee Fetherson
Renee Fetherson
18:57 26 Apr 24
I have dealt with the Helms for years, they are like family!!! They are great!!
Tamara Jones
Tamara Jones
17:56 26 Apr 24
Excellent service always if I have a need or service changes they are there to work for me deligent. Thank you Alex and Curtis.
Evelyng Corea
Evelyng Corea
19:37 19 Apr 24
Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯
Ravenous Ike
Ravenous Ike
19:42 18 Apr 24
They are great Best in the city
Calvin Biggers
Calvin Biggers
15:49 16 Apr 24
Very friendly and helpful
Julia Pagan
Julia Pagan
19:16 15 Apr 24
Love them great customer service!!
Loshica Morris
Loshica Morris
16:35 05 Apr 24
Greg and the team always helps me out and he answers the phone always with Hey Cierra and it makes me feel like a valued customer. Great place friendly people
Cierra Wilkes
Cierra Wilkes
15:20 04 Apr 24
I've been dealing with Curtis Helms for many years and I never had a problem with their service they are always professional and willing to help guide you through all of the details of your policies and if you have any concern they will talk you through it to help you understand your policy and make sure that you are satisfied with your coverage. I trust them and appreciate their services.
Alesia Jones
Alesia Jones
15:12 04 Apr 24
Chris and Alex have been very helpful in finding affordable homeowners' insurance for us.
Cindy Barnhill
Cindy Barnhill
19:13 02 Apr 24
I had auto insurance with Curtis Helms in the past for a few years and regret to say that I left for awhile due to thinking that "privately owned" insurance companies may have lacked some perks. Upon leaving (no ill will or issues occured to cause my decision, just curiousity) I endured lack of professionalism, compassion and patience just to name a few things. I learned a very HUGE lesson: Family owned/privately owned businesses will allow you to feel like an actual person and not just another number making a payment once a month. I thank you Curtis and your loving staff for your continued professionallism and just over all hard work! Y'all rock!
Damaris Davis
Damaris Davis
17:59 22 Mar 24
They are like family the hospitality is awesome kindness friendliness and always willing to go beyond the call of duty you couldn't ask for a better insurance agency their number one in my book 💯
colleen newton
colleen newton
22:56 21 Mar 24
Very good price and they really good people to help you out
lol Hey
lol Hey
20:45 15 Mar 24
The experience was greatHe made doing business with Helms incredibly easy.Truly appreciate him
vannessa douglas
vannessa douglas
15:02 15 Mar 24
Nice friendly staff..fast friendly service
Dallas Gordon
Dallas Gordon
14:25 14 Mar 24
Great company highly recommended
Khary Brown
Khary Brown
21:00 13 Mar 24
They are nice changing
relly rell
relly rell
20:27 07 Mar 24
Would never use anyone else!!!!
don jordan
don jordan
15:21 07 Mar 24
These guys & gals are awesome. Mr and Mrs Curtis Helms laid a solid foundation for excellent customer service that will continue. Love this agency and would recommend it to anyone. They care and it shows. I appreciate you all 😁
Mary McKnight
Mary McKnight
16:37 06 Mar 24
Curtis and his family have great service
aaron Nesbit
aaron Nesbit
18:57 05 Mar 24
I have been with the Helms family for a few years their very friendly and helpful I enjoy doing business with Curtis Helms.
Latonya Evans
Latonya Evans
16:47 04 Mar 24
Agent was great and very knowledgeable.
vernon jenkins
vernon jenkins
15:40 04 Mar 24
I love this place ! I have been with Curtis Helms for a while now ! Every single person who works there have a heart of gold ! Their energy is so unmatched anytime you call they all are so nice so professional so well spoken and very helpful ! I recommend so many people to them! My mom is who recommended me lol and I’m so grateful she did!!!!
Breand Simmons
Breand Simmons
15:13 04 Mar 24
Very kind of sociable and they give you the best insurance deal that you can get in the state of North Carolina
Howard Revles
Howard Revles
21:07 02 Mar 24
Customer for over 15 years
Judith Woods
Judith Woods
20:29 29 Feb 24
Fast and easy so helpful with helping me get insurance
Peaches Aries
Peaches Aries
19:53 28 Feb 24
Curtis Helms Insurance, is a great company to deal with and the prices are very reasonable..Thank you for everything.
Carl Marquez
Carl Marquez
16:04 28 Feb 24
Love them been with them for years in more to come
Travis Adams
Travis Adams
18:48 27 Feb 24
My daughter was in a car accident that totaled her car. Alex was very empathic and handled the situation with care. The process was seamless and we were able to get my daughter a new car. Thank you for all of your support!
Tamara Brown
Tamara Brown
14:54 26 Feb 24
Amazing 👏 🤩
Stephanie Collins
Stephanie Collins
13:30 26 Feb 24
Great help and great insurance
Pam
Pam
14:46 25 Feb 24
fast and good help and get good prices and insurance
Robin fonseca
Robin fonseca
22:00 21 Feb 24
Great customer service
Cain&Willies
Cain&Willies
16:15 20 Feb 24
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Contact Us to Get a Quote for Commercial Insurance

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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