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 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

Chelsea Caldwell

Can't find better, more honest people to work with. They're more like family

Response from the owner: Thanks for giving us 5 stars, Chelsea!

Justine Mcclinton

The best insurance company

Response from the owner: Thank you for 5 star rating, Justine! ⭐

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.

Elle

Thank you. Rebecca for your help with getting a policy. Once again!

Response from the owner: We're glad we could help with your policy! Thanks for the review, Elle.

Ella Griffin

Chris and Greg are great

Response from the owner: Thank you so much for the 5-star review! We really appreciate your business.

EL McCall

To Whom It May Concern,I am writing to share my highest recommendation for Curtis Helms Insurance CompanyAfter 17 years as a loyal customer, with another insurance company. I recently went through a highly complex and challenging insurance situation. Throughout the entire process, Curtis Helms insurance went above and beyond to support me until everything was completely resolved.It is rare to find a company that demonstrates this level of care and reliability when you need it most. I highly recommendCurtis Helms Insurance Company to anyonefor dependable home, auto, or general insurance coverage.The person that was most helpful Katherine.[ Elvira McCall

Response from the owner: Elvira, it means so much that you've entrusted us with your insurance needs, and we couldn't be happier to hear how impressed you have been with Katherine's service. Thank you for brightening our day with your kind words, and please do not hesitate to reach out with questions anytime!

Tim Lowery (National Service Corp LLC)

Very good at communicating about my needs.

Response from the owner: Thanks for taking the time to review us, Tim!

Soosha Gourrier

Rebecca was great and polite.Im thankful she was able to get me reasonable coverage for my vehicle!

Response from the owner: Thanks for the kind words! We'll be sure to pass your compliments along to Rebecca. We're always here to help if you need anything else.

Sylmyles Coleman

I've dealt with with this company for years and have had multiple cars insured by them. Never had a problem and they are very nice, professional and makes you feel like you are part of a family

Response from the owner: We're happy we make you feel like a part of our insurance family, Sylmyles! Thanks for leaving us such a positive review.

Devan Hudson

I've been dealing with Curtis Helms insurance for about 5 years. Greg is my man to go to, to get me the best bang for my buck. He's gone through quite a few companies to get what I need for my Auto insurance. Highly recomend.5 stars across the board. Everyone is so helpful and takes the time to discuss all my options before I bought my last policy.

Response from the owner: We appreciate the 5-star review, Devan!

Katie Hall

Curtis Helm’s team checked several insurance companies for my car insurance and got back to me with a great quote for the year, saving me a lot of money$$$$.Home owners insurance was also a savings! Would highly recommend to have them check around, especially if you haven’t in a few years, mine kept inching up, plus an “incident” that wasn’t my fault was listed on my old insurance that made it go up.

Response from the owner: Thanks for the fantastic review! Making sure you get the best rates without being penalized for things out of your control is exactly what we're here for.

Rashid

Wow fat Brady clear and comfortable. Thanks dude

Response from the owner: Thank you, Rashid! We are thrilled that you are feeling so pleased with the assistance we've provided for you thus far, and we will continue working hard for you going forward. Reach out with questions about your coverage anytime.

dyana Bradley

Everyone is always so kind and professional.

Response from the owner: Thank you, Dyana! It's incredibly uplifting to know how much our team's friendly, professional assistance has impressed you, and we are here to answer any questions you have about your insurance coverage. Give us a call anytime.

Andrew Waite

Always professional friendly and courteous.

Response from the owner: Thank you so much, Andrew! We love taking care of our customers and truly appreciate your continued support.

Olivia Salas

Great customer service, very helpful and patient

Response from the owner: Thanks for giving us a great 5-star review, Olivia! We appreciate you!

Melina Stanton

Very friendly, They are very helpful when I have any problems. I thank them so much for what they do.

Response from the owner: Thanks for giving us 5 stars, Melina!

Phyllis Cooper

Great Customer Service

Response from the owner: Thank you, Phyllis! We love having you as part of our insurance family!

Von Davis

I had the same insurance agency for over 20 years Hi Curtis/Chris.....my whole family and alot of our friends use this same agency

Response from the owner: Thanks for the great review, Von! We're sure grateful for loyal customers like you!

Brandon Hunter

Great!!

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.

Catherine Southerland

Very knowledgeable and experienced!

Response from the owner: We're glad we could put our knowledge to work for you! Thanks for the five-star review, Catherine.

Deajha Phifer

The best in town

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

Stephane “Fonzo” Jerome

Very informative and convenient great staff

Response from the owner: Thanks for giving us 5 stars, Stephane!

Contact Us to Get a Quote for Commercial Insurance

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Let Us Help You Protect Your Business

Auto Insurance in Charlotte, North Carolina

Commercial Insurance, Charlotte, NC

Protect your business’ operations with the right insurance policies.

"Very knowledgeable and proactive."

Contact Us to Get a Quote for Commercial Insurance

Services We Offer

Home Insurance

Life Insurance

Commercial Insurance

Contact Us to Get a Quote for Commercial Insurance

We offer the excellent customer service you deserve.

FAQs About Home Insurance

What does home insurance cover?

What does home insurance NOT cover?

Is there a way to lower my home insurance rate?

Why Choose Curtis Helms Insurance?

See what some of our satisfied clients are saying about our insurance services.

Contact Us to Get a Quote for Commercial Insurance

Let Us Help You Protect Your Business

You Won’t Be Disappointed if You Choose Our Insurance Agency!

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Get a Quote for Commercial Insurance

Get a Quote for Commercial Insurance

Get a Quote for Commercial Insurance