A Trusted Independent Insurance Agency for All Your Insurance Needs 

Protecting You Today, Preparing You for Tomorrow

Barber Insurance is a Trusted Independent Insurance Company

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Insurance Policies Focused On You

Work With Agents Who Are Here To Help

Insurance policies are essential for helping you have peace of mind. Insurance helps protect families, property, and our ability to work so that we do not have to worry about doing things alone when bad things happen.

Finding the right coverage for your home, life, auto, and business needs can be a difficult and time-consuming process. With the help of our experts here at Barber Insurance, it no longer needs to be. We specialize in helping people find first-rate policies that meet all their needs.

AUTO INSURANCE

Coverage On The Go

Having peace of mind behind the wheel is a lot easier when you have the backing of a reliable policy. Beyond being required by law, having auto insurance provides financial protection for yourself and your passengers in case of an accident. This can include property damage, medical bills, liability protection, and more. Here at Barber Insurance, our team of licensed insurance agents will help you determine the best policy for your needs and budget and get you set up quickly so that you can get moving again!

Auto insurance involves more than just buying a policy and paying the monthly dues. While we hope that you will never have the need for an insurance claim, an effective policy is here in case you ever do. It’s important to understand the different types of coverage available, as well as the potential risks involved with being uninsured or underinsured. Whether you’re looking to cover your car, truck insurance, motorcycle, or RV, it’s important to know what is covered and what isn’t in order to protect yourself and your assets.

As the name implies, car and truck insurance provides coverage for your motor vehicle. By far the most popular option for vehicles. Basic liability car insurance is required by law in most states to legally drive on public roads. Such liability policies offer coverage for bodily injury and property damage that you may cause to another while operating a vehicle. More comprehensive coverage plans may also provide coverage for medical expenses and damages if you are injured in an accident.  The most comprehensive coverage options may also include additional coverages for events like theft, vandalism, natural disasters, and other events not involving another vehicle.

Like for cars and trucks, operating a motorcycle means abiding by the rules of the road. That includes ensuring that you have the proper insurance for your machine. At the most basic, liability insurance is necessary in both Virginia and North Carolina. Collision and comprehensive coverages for motorcycles are also available and offer similar coverages to vehicle insurance. Additionally, some policies offer custom parts coverage which pays for any aftermarket parts installed on your motorcycle in case they are damaged or destroyed due to an accident. Talk with an agent today to discover which service and policy are best suited for you!

RV (recreational vehicle) insurance is similar to auto insurance but typically includes additional coverages such as emergency roadside assistance and vacation liability protection, which covers medical costs incurred by someone who is injured on your campsite. Most policies also include comprehensive coverage, which pays for damage caused by non-collision events like vandalism or theft, and collision coverage, which pays for damage resulting from an accident with another car or object.  

For those who love being on the water and want to ensure they are safe. Boat insurance typically includes liability protection for bodily injury and property damage caused by a boating accident as well as physical damage coverage, which pays for repairs due to an event like a fire or collision with another boat or an object. Our agents can help you make informed decisions about your boat insurance based on their own experience and expertise.

It is important to ensure that you are adequately covered in the event of an accident or malicious damage.  Umbrella Insurance policies essentially provide an additional layer of protection for other insurance policies – such as Home and Auto – should a claim exceed its limits. Adding Umbrella Insurance coverage can offer benefits such as a higher liability coverage limit and added legal assistance. Investing in umbrella insurance is one small step towards full protection for you and your property.

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HOME AND PROPERTY INSURANCE POLICIES

Keeping Your Home Safe and Secure

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Home insurance is essential if you want to protect your investment and your belongings. Several types of home insurance include homeowners insurance, renters insurance, Mobile and Manufactured Home Insurance, and Landlord Dwelling Insurance. All of these coverages offer different levels of protection for different types of properties and situations. Let’s take a closer look at each one.

This type of policy covers the structure of your home as well as any other structures on your property (like a shed or fence). It also covers personal belongings inside the house (furniture, electronics, appliances) that may be damaged or destroyed due to a covered event such as a fire or theft. Most policies also include liability coverage in case someone is injured while on your property.

Insurance policies aren’t just for property owners! If you rent a house or apartment, renters insurance provides coverage for your personal possessions and liability protection. It can also provide additional living expenses if you are temporarily displaced due to damage caused by an insured event like a fire or flood. In some cases, it may even cover certain items that are normally excluded from homeowner’s policies, such as jewelry, furs, and fine art collections.

Mobile and Manufactured home policies typically provide similar coverage to homeowners policies but with a few key differences. They typically provide protection for the structure of the home itself, as well as personal belongings inside. With mobile and manufactured homes being especially vulnerable to storms and extreme weather, ensuring your property is covered is not something to be taken lightly. We can help provide a tailored plan based on your individual needs.

This type of policy provides protection for landlords who own rental units such as apartments or condos. It covers damage caused by tenants (such as fire or water damage) as well as loss of income due to vacancy caused by an insured event like a fire or flood. It also includes liability protection in case someone is injured while inside the rental unit. 

BUSINESS INSURANCE

Supporting Your Operations

As a business owner, the last thing you want to think about is something going wrong. But the truth is accidents happen, and it’s important to be prepared for anything that could arise. That’s why having the right insurance policies in place is so important — it can protect your business from unforeseen losses and provide you with peace of mind. In this comprehensive guide, we’ll look at some of the most common types of business insurance policies available, from general liability to cyber liability and more.

General liability insurance is one of the most essential types of business insurance. It covers bodily injury or property damage caused by your business activities, protecting you against lawsuits and other related costs. It can cover things like medical bills if someone gets hurt on your property or legal fees if someone sues you for negligence or malfeasance.

A business owner policy (BOP) combines several types of coverage under one policy. These typically include general liability, property coverage, and business interruption coverage. This means that instead of buying separate policies for each type of coverage, you can get them all under one BOP policy.

Workers compensation insurance is designed to help protect employers from claims brought by employees who suffer an injury or illness while on the job. It is intended for coverages like medical bills, lost wages due to work-related injuries or illnesses, and legal fees associated with any resulting lawsuits. Workers compensation laws vary from state to state, so it’s important to consult with an attorney before purchasing a policy. If you’re ready to get started, connect with one of our agents today, who can help you find the best coverage for your business size and scope!

Commercial property insurance provides comprehensive protection against various risks leading to property damage or loss. These risks may include or encompass theft, vandalism, natural disasters, and unforeseen events. Insufficient coverage could result in substantial financial losses from a single unfortunate incident. To ensure the security of your buildings and contents, safeguarding against potential disruptions to your business operations, business interruption coverage is available to compensate for any resulting loss of income. With this coverage, you can confidently protect your assets and keep your business running smoothly. We’ve designed our commercial property insurance policies to cover a wide range of risks your business may face. We’ve covered you, whether it’s earthquakes, floods, equipment breakdown, theft, crime, or perishable goods spoilage. Our experienced team considers various factors, such as your property’s location, construction, security measures, occupancy, and the value of the property and its contents. This allows us to provide you with the most suitable coverage and premium. Rest assured, and we’ve got your back.

Commercial auto insurance covers vehicles used for business purposes, such as delivery trucks or company cars. It protects against third-party liability and physical damage to vehicles caused by collisions or other accidents while on the job. Depending on the policy, commercial auto insurance may also cover personal injuries suffered by drivers or passengers in an accident while on the job.

HOA policies, or Homeowner and condo association insurance policies, play a crucial role in protecting the community’s assets and addressing potential risks and liabilities. These policies may provide protection for communal interests, such as buildings, clubhouses, swimming pools, and other shared amenities. Policy coverage may also extend to relevant sidewalks, parking lots, and landscaping. Policies may also include lines of coverage for liability, D&O, and equipment. HOA insurance, however, does not typically extend coverage to the personal property or liability of individual unit owners. Often, unit owners are responsible for obtaining insurance policies to protect their personal belongings and provide liability coverage.

Professional liability policies are designed to protect professionals, such as lawyers, doctors, architects, etc., from claims brought against them due to negligence or malpractice in their practice area(s). The scope of coverage depends on the specific policy purchased but typically includes protection against claims related to errors and omissions made during professional services rendered by insured individuals or companies.
Cyber Liability Insurance protects businesses from data breaches caused by malicious actors such as hackers or viruses and other cyber-related risks like fraud and identity theft incidents that could potentially lead to financial losses for businesses exposed online through websites or mobile apps. It provides both first-party (to cover expenses incurred due to data breaches) and third-party (to cover liabilities arising out of damages caused by data breaches) coverages depending on what is included in the policy purchased by a company.

Directors & Officers Liability Insurance (D&O) is designed specifically for directors and officers of companies who may be held liable for any wrongful acts taken while managing a company’s operations, including mismanagement, neglect of duties, breach of contract/fiduciary duty, etc. D&O provides indemnification protection against financial losses due these wrongful acts committed by management personnel in their official capacity. Furthermore, D&O also offers non-indemnification protection, which helps protect individuals from being personally liable for any actions taken while serving in their official capacities within a company/organization.

Employment Practice Liability Insurance (EPLI) helps protect companies from employee claims concerning violations related to discrimination based on race/ethnicity/gender/age/disabilities etc. EPLI provides indemnification protection against financial losses due these wrongful acts committed by company personnel towards employees, including libelous statements made publicly about an employee that could lead to potential reputational harm. Furthermore, EPLI also offers non-indemnification protection, which helps protect individuals from being personally liable for any actions taken while serving in their official capacities within a company/organization.

Business umbrella insurance provides additional layers of financial security beyond standard policies, such as general liability insurance or commercial vehicle insurance, which offer fixed limits per occurrence up until which they provide coverage. The additional layer provided through umbrella policies kicks in once existing primary policies have reached their maximum limits, thus providing companies with extra cushion should they end up facing large scale liabilities.

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LIFE INSURANCE

Assurance For You and Your Loved Ones

The purpose of life insurance is to provide financial protection to your family in the event of death. While it’s not something we often like to think about, preparing a plan for the event of our passing can be of critical importance for those we leave behind. It can also provide support for medical expenses and other costs associated with unexpected events in life. Whether you’re in your twenties or nearing retirement age, life insurance can help provide assurance that your loved ones will be taken care of after you’re gone.

When considering life insurance, it’s important to consider the needs and goals of your family and loved ones. Your policy should be tailored to meet the immediate and long-term financial burdens that may be incurred in the event that something happens to you. We offer a variety of plans ranging from basic coverage to more comprehensive packages that come with additional features and benefits and help you narrow down the options to find the best one for you.

Want to learn more? Our licensed Life Insurance agents will be happy to speak with you. Connect with one of our professionals here.

Talk to an Insurance Professional Today!

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Check Out What Our Clients Are Saying

See Our Most Recent Testimonials

Top notch service! Friendly and knowledgeable staff. Not much else to say other than they are honest, fair and family owned. I’m not going anywhere else.

Bill H., Resident of Cary, NC

After years of being dissatisfied with insurance brokers for one reason or another I found Barber Insurance. Their attention to detail and honest straight forward attitude has been a breath of fresh air into one of my least favorite aspects of being a business owner. I highly recommend the folks at Barber Insurance.

Sally F., Resident of Chapel Hill, NC

I want to commend Barber Insurance for their excellent follow-up and help in getting my insurance finally straightened out. They took over and their persistence and dedication paid off greatly. They kept me updated on the status and I quickly had full confidence in them. I am happy that individuals like those at Barber Insurance go above and beyond to help their clients. I thank them again, and feel that their hard work should not go unrecognized.

Richard L., Business Owner in Durham, NC

Thank you, Barber Insurance – it’s nice to work with people who are responsive and efficient – not easy to find today.

Derek M., Resident of Raleigh, NC

Everyone I have worked with at Barber Insurance have been absolutely awesome!! They have been amazing at finding me great prices and lower rates for my home(s) and car. And they have all been super prompt and helpful when I sometimes need things quickly or whenever I have (multiple) questions. They really are, without question, the very best agency I have ever worked with, and I have had many. I have recommended them to many others! Thank you very, very much to you all for your help and the peace of mind you have provided.

Sharon W., Business Owner in Apex, NC

What You Get When You Work With Barber Insurance

How We Help Citizens and Business Owners in North Carolina

When you work with Barber Insurance, you get much more than just a basic insurance policy. Our average employee has more than 15 years of industry experience, so you know that your insurance needs are in good hands. We use a ‘customer-first’ attitude in our approach; so, no matter what your insurance question is, we will work diligently to find the right answer for you.

Being an independent agency means that our brokers can shop around and combine the best Insurance pricing with the best coverage options available to get you the policies that will fit your life, needs, and wallet. With Barber Insurance on your side, you get protection backed by trusted professionals and outstanding service!

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Connect with Barber Insurance Today!

Work With A Team Dedicated To Your Success

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