North Carolina General Liability Insurance

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  1. General Liability Insurance
  2. North Carolina General Liability Insurance

North Carolina General Liability Insurance Policy Information

NC General Liability Insurance

North Carolina General Liability Insurance. NC general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

North Carolina general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in NC.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by North Carolina general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your NC business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: North Carolina general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With NC general liability insurance, such issues are adequately handled.
  • General liability insurance for contractors, cheapest general liability insurance small business, cheap general liability insurance for contractors, commercial general liability insurance definition, general liability insurance cost for contractors, North Carolina business insurance requirements, comprehensive general liability insurance and short term general liability insurance.

NC General Liability Insurance Cost

The cost of your North Carolina general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

NC Small Business Insurance By Industry And/Or Type

Select the North Carolina general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about North Carolina media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about NC agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on North Carolina arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about North Carolina auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about NC aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what North Carolina commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on North Carolina commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about North Carolina construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your NC construction business from lawsuits.


Contractors and Home Improvement

Learn about North Carolina contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your NC business from lawsuits.


Education, Colleges, Universities & Schools

Learn about North Carolina commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other North Carolina financial institutions need to protect their asset management, deposit, lending, investment and other operations.


Food and Drink

Learn about North Carolina restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about North Carolina health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about North Carolina IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Lodging Places

Find out what types of business insurance that North Carolina hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in North Carolina need.

Manufacturing

Learn all about North Carolina manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in North Carolina need.

Medical and Dental

Discover North Carolina business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous NC businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for North Carolina non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about North Carolina professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about North Carolina real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable North Carolina retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about North Carolina commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with NC commercial insurance. Read informative articles on North Carolina small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about North Carolina sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about North Carolina warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on North Carolina wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


North Carolina Specific Commercial Insurance Articles

Read informative articles on NC commercial insurance including costs and coverages.




North Carolina Economic Data, Regulations & Limits On Commercial Insurance

For business-savvy individuals who are looking to establish operations for their corporation in North Carolina, having a firm understanding of the economic status of the state is essential. It's also crucial that business owners understand what the regulations and limitations for commercial insurance in the state. Below, we offer an overview of the economy and insurance requirements in the Tar Heel State.

Made In North Carolina

For any business owner who is thinking about establishing a NC based organization, it's essential to first understand if the state is considered a healthy location for your enterprise. Before you set up shop, understanding key details that are related to the economy of the state, in addition to what type of commercial insurance is mandated is essential.

Economic Trends for Businesses In North Carolina

Job growth is promising in NC. Between 2017 and 2026, it is estimated that 389,000 jobs will be created within the state. In 2017, the unemployment rate within the state continued to fall at a steady rate; however, as of March, 2019, the state's unemployment rate rose 0.1 percent, a slight increase. Though the unemployment rate in North Carolina is slightly higher than the national average (0.2 percent higher), the forecast is positive, with rates holding steady in the coming years.

As of January, 2019, the unemployment rate did increase in all 100 North Carolina Counties; however, the rate is still lower than it was during the early 2000s. With an unemployment rate of 3.6 percent, Asheville had the best labor market in January, 2019, while in Rocky Mount, the rate was 6.0 percent, the highest in the state.

It is predicted that the following industries will contribute the most to NC's labor market through the year 2026:

  • Aerospace and Defense
  • Automotive
  • Biotechnology and Pharmaceuticals
  • Business and Financial Services
  • Computer- and Mathematics-related occupations
  • Food Processing and Manufacturing
  • Furniture Production and Sales
  • Health Care and Social Assistance
  • Outdoor Recreation
  • Plastics and Chemicals
  • Professional, Scientific, and Technical Services
  • Textiles
Commercial Insurance Regulations and Limits in North Carolina

Every industry is required to comply with state-mandated commercial insurance regulations in the state of North Carolina. According to state law, all businesses that employ three or more workers must carry workers' compensation insurance. Businesses that rely on vehicles for their operations must also carry commercial automobile coverage. Organizations that operate in areas that are prone to flooding must also carry commercial flood insurance. Additional forms of coverage may be required, as well, depending on the specific industry that a business operates under.

Request a free North Carolina General Liability Insurance quote in Albemarle, Apex, Archdale, Asheboro, Asheville, Belmont, Boone, Burlington, Carrboro, Cary, Chapel Hill, Charlotte, Clayton, Clemmons, Clinton, Concord, Cornelius, Davidson, Dunn, Durham, Eden, Elizabeth City, Elon, Fayetteville, Fuquay-Varina, Garner, Gastonia, Goldsboro, Graham, Greensboro, Greenville, Harrisburg, Havelock, Henderson, Hendersonville, Hickory, High Point, Holly Springs, Hope Mills, Huntersville, Indian Trail, Jacksonville, Kannapolis, Kernersville, Kings Grant, Kings Mountain, Kinston, Knightdale, Laurinburg, Leland, Lenoir, Lewisville, Lexington, Lincolnton, Lumberton, Matthews, Mebane, Mint Hill, Monroe, Mooresville, Morehead City, Morganton, Morrisville, Mount Airy, Mount Holly, Murraysville, Myrtle Grove, New Bern, Newton, Oxford, Pinehurst, Piney Green, Raleigh, Reidsville, Roanoke Rapids, Rockingham, Rocky Mount, Salisbury, Sanford, Shelby, Smithfield, Southern Pines, Spring Lake, St. Stephens, Stallings, Statesville, Summerfield, Tarboro, Thomasville, Wake Forest, Washington, Waxhaw, Waynesville, Weddington, Wesley Chapel, Wilmington, Wilson, Winston-Salem, Winterville and all other NC cities & North Carolina counties near me in The Tar Heel State.

Also find North Carolina insurance agents & brokers and learn about North Carolina small business insurance requirements for general liability, business property, commercial auto & workers compensation including NC business insurance costs. Call us (704) 703-1413.

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Disclaimer
Disclaimer
The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.

General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue.
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