Business and Commercial Insurance Plans

Setting You Up For Professional Success

Backing Business Owners in North Carolina

Finding The Best Policy for Your Enterprise

With the right business and commercial Insurance plan, your budding empire can be fully protected from a wide range of risks. Having the right kind of insurance coverage is essential for any business, large or small. Whether you are a startup, established company, freelancer, or nonprofit organization, having the right business insurance in place can protect you from potential financial losses and ensure that your business operations remain successful.

At Barber Insurance, we offer comprehensive business insurance plans to cover virtually any business need. With us, you can choose from a variety of insurance policy types, including Property Insurance to cover physical assets, Liability Insurance to protect against legal claims, and Business Interruption Insurance to provide coverage for lost income due to events like natural disasters. We also offer specialized insurance plans such as Cyber Liability Insurance and Professional Liability Insurance for businesses that might need a more tailored coverage plan. Our agents can help you determine which policies are right for your business and customize a business insurance package to fit your unique needs. We understand the importance of keeping costs down, so we offer competitive rates and discounts that make our plans even more affordable. With us, you’ll get comprehensive coverage at an unbeatable rate.

Business Liability Insurance Plans

Policies To Protect and Defend

No matter the size of your business, liability insurance is essential for protecting you from financial losses that could result from accidents. Our team can help you find a plan that meets all your needs while keeping costs down. We provide comprehensive coverage, including premises, product, and professional liability. With our plans, you’ll enjoy peace of mind knowing you are well-protected against potential legal issues that could arise. Plus, if a claim is ever filed, our experienced team will be there to help you through the process. With our competitive rates and dedicated customer service, we are confident that you will find a liability insurance plan that fits your needs and budget.

Our general liability insurance plans provide coverage for property damage, bodily injury, and personal/advertising injury resulting from your business operations. With this coverage, you’ll be protected from accidents that may occur on your premises or as a result of the services you provide. This plan also covers legal fees and medical expenses associated with any claim filed against you. We offer a variety of plans with varying levels of coverage, so you can select the one that best meets your business’s needs.

Professional liability insurance is designed to protect businesses from negligence or mistakes that may occur in the course of providing services. This type of coverage is especially important for professionals like doctors, lawyers, and accountants, as it can cover legal costs and damages that may be awarded to clients in the event of a successful claim. Professional liability insurance provides protection from claims such as breach of contract, copyright infringement, defamation of character, and more. Barber Insurance offers professional liability coverage tailored to meet your business’s needs. Our experienced team will help you identify the right policy and support you throughout the process. We understand that your business is invaluable, so we strive to offer comprehensive coverage with competitive premiums.

In the digital age, protecting your business from cyber threats is more important than ever. Cyber liability insurance is designed to provide financial protection against losses related to data breaches, cyberattacks, and other web-based risks. If a hacker gains access to your customer records or systems, this coverage can help cover the costs associated with notifying customers, providing credit monitoring services, and more. With cyber liability insurance, you can rest assured that your business is protected against the ever-evolving risk of cybercrime. Talk to us today about safeguarding your business with this essential coverage.

Directors and Officers (D&O) Liability Insurance is a type of liability insurance that covers an organization’s individual directors and officers against claims made by shareholders, employees, or other stakeholders. This coverage can protect executives from personal financial loss due to a wrongful act, such as mismanagement or breach of fiduciary duty. It also helps cover the cost of legal defense if they are named in a suit.

Employment Practices Liability Insurance (EPLI) is a type of insurance coverage designed to protect an organization from claims made by employees related to wrongful termination, discrimination, sexual harassment, or other wrongful employment practices.

Having EPLI coverage in place can be invaluable for any business that employs staff. Not only does it provide financial protection if an employee makes a claim against the company, but it can also save time and money associated with defending against such allegations. Additionally, EPLI coverage demonstrates to your employees that you value their rights and are committed to providing a safe working environment.

Business Policies and Coverages

Built To Keep You Secure

In addition to providing liability coverage, we offer important additional policies such as workers’ compensation and commercial auto. These policies can help ensure that your business is covered from any angle. Here are a few examples of our policy options:

Business Owners Policy

A business owners policy (BOP) is a package policy designed to provide comprehensive coverage for businesses. It typically includes general liability, property damages, and business interruption insurance. The BOP can be tailored to the specific needs of each company and protect against a wide range of risks. For example, if you own a restaurant, your BOP may include coverage for food spoilage due to power outages or contamination. It may also include protection against theft, fire, flood, and other natural disasters. BOPs are designed to protect small businesses from unexpected losses, so they can continue to operate without interruption.

Commercial and Business Auto Insurance

Commercial Auto insurance is important to cover the vehicles used for business purposes, including company cars and trucks. This coverage protects businesses from legal liability for property damages and bodily injury caused by their vehicles, as well as any medical expenses incurred by employees who are injured while on the job. It also provides physical damage coverage in case of an accident or vandalism. In most cases, commercial auto insurance is required for businesses operating vehicles on public roads.

Workers Compensation Insurance

Workers’ compensation insurance helps protect businesses from the financial burden of employee injuries and illnesses that occur in the course of employment. It benefits employees, including medical care and lost wages due to missed work days due to their injury or illness. This type of coverage is mandatory for most businesses depending on the state you are located in, and it can be purchased through a private insurer or state-operated workers’ compensation fund. It’s important to ensure your business is properly covered in case of an on-the-job injury, as medical care and other expenses associated with employee injuries can be extremely costly for businesses without proper insurance coverage.

Business Umbrella Insurance

Business Umbrella insurance offers additional liability protection above and beyond the limits of basic business liability policies. It can help to protect businesses from catastrophic losses and lawsuits resulting from serious accidents or incidents. This coverage is particularly important for companies with many customers, such as those in the hospitality or retail industries, where one incident could easily result in a major lawsuit. In addition, it is important for businesses that own valuable assets, such as real estate, since these types of assets can be subject to significant liabilities. Business Umbrella insurance typically covers the cost of defense and damages for claims related to bodily injury, property damage, and personal or advertising injury. However, most insurers also offer additional coverage options to tailor the policy to a particular business’s needs. For example, some insurers will cover certain types of financial losses, such as lost profits and wages due to damages caused by an insured incident. Other coverage options may include false arrest protection or cyber liability coverage, which can help protect against data breaches and other computer-related incidents.

How We Help You Stay Working

What Makes The Barber Experience Different

At Barber Insurance, we understand the need for comprehensive and reliable business insurance coverage. Our team of experienced professionals will work with you to evaluate your individual risk profile and craft a business and commercial insurance policy that meets your unique needs. We can help you select the right coverage for each aspect of your business and make sure that all potential risks are adequately covered. We’ll also provide you with a variety of payment options to help make sure that your coverage is affordable. With our guidance and expertise, you can rest assured that your business will be protected from any unexpected losses.

Want to learn more about any of our policies? Contact us today to learn more about how we can help you with your business and commercial insurance needs.

Officers meeting in a conference room
Business owner calling Barber Insurance

Our Experience and Knowledge

How We Set Ourselves Apart

We have many years of experience in the insurance industry and can provide you with tailored solutions that are specifically designed to meet your individual needs. Our team is knowledgeable about all types of coverage, from commercial liability insurance to workers’ compensation insurance. We have the experience of over 20 years and are ready to help you determine which coverage is best for your business, and our friendly staff is always available to answer any questions you may have.

We also understand the importance of providing quick and efficient service, so we offer several convenient payment options, including online payments and automatic billing. In addition, our customer service team is available 24 hours a day, seven days a week, to assist you with any issues or concerns you may have.

Barber Insurance strives to provide the best coverage options and customer service experience possible. We are committed to helping our clients make the most informed decisions when it comes to their insurance needs, which is why we offer a variety of resources on our website, including FAQs and an online quote tool. We also offer free consultations with our agents so you can get the answers to your questions and learn how our coverage options may be able to help protect you and your family in the event of an accident or other unexpected circumstances.

Your One-Stop Shop for Business Insurance

Let Barber Insurance Handle It

At Barber Insurance, we know that business success hinges on having reliable and comprehensive coverage plans that fit each business’s individual needs. When it comes to protecting your company, there is no one-size-fits-all solution. That’s why we offer a diverse selection of business coverage options – from liability policies to workers’ compensation and beyond. We understand that the right coverage plan will provide peace of mind and the confidence needed to be prepared for the unexpected.

If you are looking for coverages tailored to your particular business type and size, look no further than Barber Insurance. Our experienced agents are available today to answer any questions you may have about our offerings or get started helping you customize a policy today. Connect with one of our agents now to begin safeguarding your company with an optimal level of insurance protection – start building the security and security of knowing you won’t be unprepared if something goes wrong.