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What Does Commercial Insurance in Wilmington, NC Cover?
With a population of nearly 116,000, Wilmington is the eighth most populated city in North Carolina.1 In New Hanover County as a whole, the top business industries are healthcare, retail, accommodation and food, professional services, construction and education.2 Commercial business insurance in Wilmington, NC is essential for small business owners in any industry because it protects your business, income and assets from damaging lawsuits.
Más información sobre North Carolina business insurance and how our liability coverage can benefit your small business in Wilmington, NC.
Types of Insurance for Your Wilmington, NC Business
Every business is unique, which is why we’ve created coverages to help protect the specific needs of business owners. Choose commercial business insurance in Wilmington, NC that you can depend on and will protect you best.
- General liability insurance helps protect your business from claims that it caused bodily injury or property damage. General liability coverage is also known as commercial general liability and business liability insurance. Marine insurance is also available under our general liability coverage.
- Carolina del Norte workers’ compensation insurance helps compensate employees for expenses associated with work-related personal injuries or illnesses like medical bills, rehabilitation and lost wages. North Carolina state law requires small businesses with three or more employees to carry workers comp insurance.3
- Commercial property insurance helps protect the owned or rented buildings and equipment used for your business operations. If your business’ commercial property get damaged, this insurance can help cover the repair and replacement costs.
- Professional liability insurance can help pay for your defense costs if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
- Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right insurance with a reputable commercial auto insurer is important.
Many small businesses in Wilmington, NC choose to get a Business Owner’s Policy (BOP). A BOP combines business property and business liability insurance into one business insurance policy. It’s a simple and convenient way to bundle two important insurance coverages into one.
Find the best insurance solutions for your small business with a quote from The Hartford hoy mismo.
How Much Is Business Insurance in Wilmington, NC?
The cost of liability insurance in Wilmington, NC, will differ from business to business based on a number of factors, such as your:
- Business location
- Type of industry
- Claims history
- Number of employees
Every insurance agency will typically offer the same types of business insurance coverages. Our customers paid an average of $802 annually, or about $67 a month, for business insurance coverage in North Carolina. For workers’ compensation insurance, customers in North Carolina paid an average of $1,009 annually, or about $84 a month.4
Business Insurance in Other North Carolina Cities
Getting the right type of business insurance is important. Whether your small business is in Charlotte, Raleigh or elsewhere in the state of North Carolina, we’re here to help protect your company from unexpected losses and keep your employees safe.
Get a Quote for Commercial Insurance in Wilmington, NC
For more than 200 years, we’ve helped over 1 million small business owners like you get the insurance coverage they need.
Whether you have questions about insurance products or need help with a claim, we’re here to help. Get an insurance quote today and learn how we can help you get the right liability coverage for your North Carolina business.
Business Insurance in Other North Carolina Cities
We offer insurance to Wilmington and other North Carolina cities, like:
Last Updated: November 16, 2023
1 U.S. Census Bureau Quickfacts for Wilmington, NC, 2020
2 Wilmington Chamber of Commerce, Demographics and Statistics, as viewed on 6/27/22
3 North Carolina Industrial Commission, Employers' Requirement to Carry Workers' Compensation Insurance
4 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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