North Carolina Business Insurance
Find out what your business may need, compare prices from leading insurers, and get covered in just minutes.
We Know How to Help Protect North Carolina Businesses
With low business costs, a supportive regulatory climate, and a skilled workforce, North Carolina offers many advantages to new business owners. From business license requirements to workers’ compensation regulations, we can offer local and statewide expertise and guidance to help you insure your new business and continue protecting it as it grows.
On this page
Find the information you need quickly
More than 1,500 North Carolina small businesses are insured by Simply Business
Recommended Policies for North Carolina Small Businesses
North Carolina business owners often consider these types of coverage.
General Liability Insurance in North Carolina
A foundational coverage to cover risks most North Carolina businesses may face. It also may be required for many leases.
Median cost in North Carolina
From
$42
.00
/ month*
Helps Cover
Third-party bodily injury
Third-party property damage
Personal and advertising injury
Workers’ Compensation Insurance in North Carolina
Coverage to help take care of employees who become sick or get injured on the job. Most North Carolina businesses with 3 or more employees are required to have workers’ compensation insurance coverage. It also can benefit business owners who don’t have employees.
Median cost in North Carolina
From
$117
.00
/ month*
Helps Cover
Medical payments
Lost wages
Rehabilitation expenses
Professional Liability Insurance in North Carolina
Also known as Errors and Omissions insurance, this policy is often recommended for businesses that provide advice and guidance to their clients. It also can cover errors that result in unsatisfactory finished work.
Median cost in North Carolina
From
$33
.00
/ month*
Helps Cover
Negligence or alleged negligence
Legal defense costs
Claims involving libel and/or slander
Inland Marine Insurance
Also known as “tools and equipment coverage” because it can help cover costs if your business property or equipment is damaged or stolen. That means you might not have to pay out-of-pocket to repair or replace your property and can get back to work quickly.
Median cost in North Carolina
From
$26
.00
/ month*
Helps Cover
Tools and equipment
Laptops and electronics
Party and special event equipment
Cyber Insurance
Cyber insurance — also known as cyber liability insurance — covers the costs of claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Median cost in North Carolina
From
$21
.00
/ month*
Helps Cover
Crisis management
Forensic and legal fees
Fraud response
Extortion loss
Public relations costs
Business Owner’s Policy (BOP) Insurance
General liability, property insurance, and more all in one package. It can be a convenient, flexible, and more affordable solution for small business owners who don’t have a lot of time to search for different coverages, prices, and providers.
Median cost in North Carolina
From
$48
.00
/ month*
Helps Cover
Third-party injuries and property damage
Business property damage
The Small Businesses We Help Protect in North Carolina
Top Small Businesses in North Carolina
Handyman
From condo repairs in Charlotte to porch fixes in Raleigh’s suburbs — and even storm prep along the Outer Banks — North Carolina’s handymen stay busy. But jobs like these come with risks, from property damage and ladder injuries to stolen tools. We help protect your business the way you tackle repairs: one smart fix at a time.
Painting
From the salt air of Carolina Beach to the mountain weather in Asheville, North Carolina painters deal with everything from peeling paint to mildew and fading. But slips, spills, theft, and accidents on the job can add even more color to your risk palette. We help shield painting businesses the way you shield homes and storefronts — with a durable, weather-ready finish that lasts.
Janitorial Services
Whether you’re sanitizing biotech labs in Research Triangle Park, shining office towers in downtown Durham, or keeping university halls in Chapel Hill spotless, janitorial pros keep North Carolina running after hours. Slip-and-fall claims, chemical exposures, and equipment theft can wipe out profits faster than you can buff a floor. Count on us to protect your cleaning business — so you can focus on transforming every space from messy to immaculate.
We insure 400+ types of business.
Helpful Insights from Our North Carolina Research Team
What types of business insurance are required in North Carolina?
At the state level, typically, workers’ comp and commercial auto insurance are mandated by law. However, there may be different requirements in the county, city, or town where you operate.
What’s required vs. what makes sense.
Meeting state regulations may not be enough to fully protect your business. In North Carolina, workers’ comp is required for any business with three or more employees, regardless of industry.
But let’s say a handyman in Wilmington hires one assistant who strains their back while hauling debris from a renovation job. The employee is out for weeks and sues for medical bills and lost wages. Without workers’ comp insurance, the business owner could be responsible for covering those costs out of pocket.
Not your fault? You still may have to pay.
Even if you win a lawsuit, defending yourself can be costly. Imagine a Raleigh-based consultant whose client claims their advice led to financial losses. Or a Charlotte event photographer whose wedding photos didn’t quite meet the couple’s expectations. The legal expenses and time away from work involved in a court case can easily add up to thousands.
Looking to save? Shop around without running around.
Comparing quotes and coverages can save you money, but it typically can cost you time. We’ve designed a fast and easy online compare-and-save tool for North Carolina business owners. No multiple forms to complete. No high-pressure sales calls. See recommendations in minutes and get covered for most policies the same day.
Looking to save more? Here are some tips.
Two ways to lower your premium are opting for lower coverage limits or higher deductibles. Policies that bundle coverages, such as a business owner’s policy, can also save you money over buying separate policies.
We have more ways to help save on your North Carolina business insurance in this helpful guide.
Would you like to talk with a North Carolina insurance expert?
Our team of licensed agents can answer North Carolina insurance questions, explain coverages, and help you choose what you need. They’re available Monday-Friday: 8 a.m.-8 p.m., ET.
Starting a business in North Carolina? These resources could help.
NC.gov – Start My Business:
Get a step-by-step guide to launching your business in North Carolina, including licensing, tax registration, and legal requirements.
NC Small Business Center Network (SBCN)
Located at community colleges across the state, the SBCN offers free business counseling, training, and support to help entrepreneurs launch and succeed.
Economic Development Partnership of North Carolina (EDPNC)
EDPNC connects small business owners with expert advisors and statewide resources — plus guidance on everything from business planning to export assistance.
Small Business and Technology Development Center (SBTDC)
The SBTDC provides hands-on business counseling and guidance in areas such as marketing, financing, and operations — tailored for growing small and mid-sized companies.
How Much Does North Carolina Small Business Insurance Cost?
Try our North Carolina Insurance Calculator
Get a quick estimate in just 3 steps.
Business Insurance
A one-minute explanation
Learn more about policies for North Carolina small businesses, what they cover, why you might need them, and how we can help — all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
Feel Confident About Your Choice
This block is configured using JavaScript. A preview is not available in the editor.
01
Search
Find what you need in just 10 minutes online, 24/7.
02
Compare
Get customized coverage options and quotes from top-rated small business insurers.
03
Save
Choose among affordable policies, many with savings up to 20% and monthly payment options.‡
04
Relax
Download, manage, and share your certificate of insurance online, 24/7.
More Helpful Information for North Carolina Business Owners
5-minute read
How to Get a Contractor’s License in North Carolina
5-minute read
How to Get a North Carolina Business License
3-minute read
Do I need a real estate license in North Carolina?
#Data from Simply Business customers in North Carolina who purchased the identified type of policy from July 1, 2024 through December 31, 2024. Actual prices, costs, premiums and savings, and the availability of coverage may vary by state, insurance provider, and nature of your business.