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!

★★★★★ -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.

Salesman Greg was patient he also found the best policy I applaud this insurance company.

M Johnson

23:37 13 Sep 24

Chris was great! Very helpful, I reached out to him months ago but he suggested that I wait to do my insurance swap at a later time to save me money. I so appreciate an honest person who looks out for me and my family. Chris and his agency will have all my support and my business.

Ken Nanney

16:49 13 Sep 24

Made first time insurance shopping an easy process, will be going through them again.

Deonie Douglas

16:05 12 Sep 24

Customer service is awrsome

Julie Earley

15:28 12 Sep 24

Very smooth transaction.

hassan razavi

14:55 12 Sep 24

The customers service agents are kind,Professional and demonstrate patience..not rushing to get you off the phone..very informative..

T L

23:32 10 Sep 24

Great company to work with! Fast and easy

Matt Underwood

17:58 10 Sep 24

Friendly staff and efficient. Been helping my family and friends for close to 10 years I always recommend Curtis Helms

Antwanett Watson

16:58 10 Sep 24

Amazing customer service. Greg always takes the best care of me! He shops for the best deal and makes sure I understand the policy!

Bethany Raborn

18:47 09 Sep 24

Great insurance company to work with

Michelle Miller

16:54 09 Sep 24

Greg V is the best I been with Curtis Helms for decades the best in town. Always quick responses and they really going to make it happen thank you for providing insurance to me and my family for years.

Tiara Williams

12:42 06 Sep 24

Greg was awesome, great price, great service

Ferdinand The Bull

21:52 04 Sep 24

My family has been utilizing the Helms insurance company for over 15 years and they have never let us down.

Culture Couture

17:11 04 Sep 24

Great Customer Service

Phyllis Cooper

16:05 04 Sep 24

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.

Yvette Hines

01:06 31 Aug 24

Fast and accurate

karlton caldwell

20:49 27 Aug 24

Very friendly folks, always top notch customer service. Saved me a ton on auto insurance. I couldn't be more the pleased with this group.

Reggie Propst

18:36 27 Aug 24

The best insurance company. Very knowledgeable courteous and for the people . I recommend 💯

Nadene Mckenzie

18:31 27 Aug 24

I had the same family for my insurance agency for over 20 years Hi Curtis/Chris

Von Davis

16:39 27 Aug 24

Very friendly and professional. Has the cheapest insurance in Charlotte

Angela Shuford

21:25 26 Aug 24

Very helpful and courteous.Thank you, Katherine!

W Bell

20:26 23 Aug 24

The Helms Insurance Company has always been a help to me. Answering many questions with clarity, giving options to choose from, understanding needs, and great communication. Thanks Greg and Helms Insurance!

Phil T

19:00 23 Aug 24

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 insurance!!!🥰

Dawn Alexander

16:32 23 Aug 24

I left and now I am back great prices and good customer service!!!

Raye Martin

13:57 22 Aug 24

Great people . Work with you. Awesome

chad lyles

12:52 22 Aug 24

Always handles our insurance needs quickly and great prices!

Dennis Lowery

16:38 21 Aug 24

Very informant and very helpful and will recommend, thank you so much.

Judy Dawkins

19:24 20 Aug 24

Very caring , understanding and helpful professionals. My personal gratitude to you all . Thank you very much !!!

Irina Masters

15:29 20 Aug 24

They will get the job done within a few minutes

lashae weeks

17:46 19 Aug 24

Always very helpful and gets the job done

Lakesha Santana

17:17 19 Aug 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

16:34 19 Aug 24

The best people to have helping and dealing with your auto coverage. Wonderful company. I've been with them over 30 yrs. Can't imagine not having Curtis helms insurance on my side

michele lefler

14:28 19 Aug 24

Awesome service in the Charotte area!

John Apsega

17:53 16 Aug 24

Courteous and professional expedient service.

Gregory Cobb

15:19 16 Aug 24

Great Company and people

Edward McCollum

19:22 13 Aug 24

Great and very helpful

Tywanda : Dixon

14:07 12 Aug 24

I have been with them for several years. Rebecca got me right today. Helped me save over $100 a month.Thanks 😁🤌🏾

Michelle Taylor

16:02 08 Aug 24

Rebecca was very helpful and great to work with for my cars and renters insurance

tania pozo

15:56 08 Aug 24

Chris Helms and his family has been taking care of my family for years! They always do their best to find the best options that work for me and my budget. I’ve recommended them to plenty of people, also have found they’re usually cheaper than going directly through the Insurance Company. Thank you, as always!

Brandon Banner

15:24 07 Aug 24

I have used them since forever and would not use anyone else

Sabrina Jacobs

20:06 06 Aug 24

Many years with the Company, outstanding service, have taken care of family members.Very satisfied.

sally moore

15:03 05 Aug 24

Love them, been with them for over 20 years

DianeChermain SorycEsetok

23:15 02 Aug 24

The experience was greatHe made doing business with Helms incredibly easy.Truly appreciate him

vannessa douglas

20:47 02 Aug 24

Amazing customer service and I got a pretty good price for paying liability as a college student 100/10 recommend

dayday leach

19:11 02 Aug 24

They have great customer service!! And shout out to Rebecca she has been such an amazing help getting my insurance coverage!

Almadelia Sanchez Gonzalez

17:36 02 Aug 24

Katherine Nixon at Curtis Helms Agency was awesome. I am saving over $400 a year with this agent. She is so knowledgeable, explained everything thoroughly and her customer service was stellar. No experience with a claim yet but I hope if this happens I get the professionalism I have received this far. The rate was extremely good. I have referred 2 people already.

Lynne Corbin

16:54 01 Aug 24

They are always helping and patient with any questions or concerns I have.

Alecia Copeland

17:18 31 Jul 24

Helms insurance has always been very courteous and helpful in insuring my entire family from mother to children and I recommend them to anyone.

Will Beatty

17:57 26 Jul 24

My whole family has been with this Company for along time !! I love that they are family oriented . You have questions they make sure they guide the best way they can . I been with them 8 years with only 2 cars and I can say will not go anywhere else but this Company they are what u need when comes to Insurance !!

Josetta Jones

15:03 26 Jul 24

Curtis and his family have great service

aaron Nesbit

13:32 26 Jul 24

Very nice and good job

林立云

21:18 25 Jul 24

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