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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 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
Denise Gaddy
Denise Gaddy
They Are Great
Response from the owner: Thanks for the 5-star review, Denise!
Haley Goodman
Haley Goodman
100% recommend! Got the the lowest rate on both my cars!
Response from the owner: Your review means a lot to us, Haley! We're glad we could help.
Curtis Chalk
Curtis Chalk
Great insurance to protect your everyday needs
Response from the owner: Providing great insurance options is what we do! Thanks for the great review, Curtis.
Sabrina Marbury
Sabrina Marbury
The Company alwzys gives the best customer service
Response from the owner: Sabrina, we couldn't be happier about your feedback. Thank you for taking the time to spread the word about the fantastic support we provide! We are always here to help find the best policies at the best rates to meet your needs.
Dawn Alexander
Dawn Alexander
The staff was so friendly and patient with me! They were very knowledgeable with the different options I could choose from regarding payment plans! The prices were really reasonable! Thank you for a wonderful experience in helping me get my NC car and renters insurance!!!🥰
Response from the owner: We're glad we could help you find the car insurance that works best for you! Thanks for the kind review, Dawn.
Mark Hatfield
Mark Hatfield
Greg has been helping me for a couple of years now. Very personable and knowledgeable. Easy to do business with. Always willing to answer any questions and help in any way he can.Curtis Helms Insurance has made buying auto insurance easy and affordable. I've never thought that I would recommend an auto insurance company, but I'm doing it now. They are good. 👍 Greg able to quickly pivot to suit my short-term and then long-term needs. Able to quickly find the lowest prices for my coverage. I'm a satisfied customer. His company practices excellence.
Response from the owner: We're glad we were able to help! Thanks for the review, Mark.
John Holzer
John Holzer
Chris and his team are awesome! I have watched him win over my clients time and time again. I finally decided to switch over my insurance to him and could not be happier with the service. Could not be in better hands.
Response from the owner: John, it means so much to hear of the confidence you have in our team. Thank you for your shout-out for Chris and for putting your trust in us! We will continue working hard for you.
Bruce Watson
Bruce Watson
Very friendly people. I've been dealing with them for years.
Response from the owner: Thanks for the five-star review, Bruce! Call us whenever you need insurance help.
Toya Clark
Toya Clark
The agents ALWAYS give great service. The best in the city.
Response from the owner: We appreciate the 5-star review, Toya!
e
e
they got me a good quote for home insurance while i was closing on my first home! and switched my auto to a better quote i got from them as well. they are always friendly.
Response from the owner: We love hearing this feedback, E! Thank you for sharing about our friendly team and the outstanding rates we've found for your home and auto. Reach out to us with any questions whenever you may need!
vanessa pineda
vanessa pineda
Always smooth, always nice!
Response from the owner: Thank you, Vanessa! We are thrilled that you've been pleased with your experience and our team's support. Whenever you have questions related to your insurance coverage, please reach out to us for assistance.
Michellee
Michellee
Curtis Helms insurance is the best hands down. Chris and Greg are both awesome amazing customer service they both always go beyond to find the best insurance company as well as answer any questions you may have. They are very knowledgeable at their work I would highly recommend Curtis Helms insurance.
Ursulla Binios
Ursulla Binios
Amazing ccmompany very nice people
Response from the owner: We appreciate the 5-star review, Ursulla!
Clayton Livingston
Clayton Livingston
I have had a wonderful experience with this company for over 20 some odd years. They have never failed me they have always been on point they are like family to me and I appreciate them a great deal I've been other places for about a half of a second and came right back home to where I belong this company is great and I would recommend them to the world. Years later and I'm still here and extremely happy 😊
Response from the owner: Thanks so much for your great review, Clayton! We're so glad to have you as part of our insurance family!
Ticola Mapp
Ticola Mapp
The ONLY insurance company I will use in Charlotte. These people are my family now ❤️
Response from the owner: We love having you as part of our family, Ticola! Thanks! 🙂
Jae Dee
Jae Dee
Rebecca was absolutely AMAZING to work with. Very knowledgeable and taught me things I had no clue even existed. When everyone else was quoting me sky rocket prices. She put in the work to find me something affordable in no time. Very pleased with this company. I will be back to add another policy with them. Rebecca will be my go to person! May God bless Curtis Helms insurance.
Response from the owner: we're glad we could provide you with excellent insurance help, Jae! Thanks for leaving a five-star review.
William Davis
William Davis
Very nice people Thank you 🙏
Response from the owner: We're glad we could help! Thanks for the five-star review, William.
Gregory Cobb
Gregory Cobb
Courteous and professional expedient service.
Response from the owner: Thanks for the positive review, Gregory! Let us know if there is something we can do to earn that final star.
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.
Jarrett Brewer
Jarrett Brewer
Great customer service quick and easy quotes.
Response from the owner: We're glad we could help you get a quote, Jarrett! Thanks for giving us five stars.
Tamika Briscoe
Tamika Briscoe
Katherine is the absolute best! Hands down!!
Angela Nelson
Angela Nelson
Nice doing business with you 😉
Ashley Nevills
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
A'lexis Young
I love them i been using them forever always been great and nice
Response from the owner: Thank you, A'lexis! It has been an honor to have you as such a loyal client, and we are committed to working hard for you going forward, too. Please don't hesitate to reach out whenever we may be of assistance!
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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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Get a Quote for Commercial Insurance

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