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Commercial Insurance Hickory, NC

Commercial Insurance Hickory, NC

As a business owner, you have enough to worry about. Let the independent insurance agency of Romeo Heatherly Insurances Services fit you with a commercial policy that’s designed to protect your business and provide you with overall peace of mind.

We offer competitive rates on general liability and workers’ compensation and other insurance solutions to fit any business need in North Carolina. As your business grows, we’ll help you modify your policy so that you’ll always remain protected. We are an independent insurance agency offering commercial insurance or business insurance policies for small, large, sole-proprietor, or home-based businesses in North Carolina.


Types of North Carolina Business Insurance

There are many different types of insurance coverage options for North Carolina business owners. They can include:

Automobile – Almost every business nowadays has a company vehicle or a fleet of company vehicles. You need to insure against damage to yourself, property, the drivers, third-party injuries, cargo, and those who are riding in the car itself. Minimum limits for auto insurance in North Carolina are 30/60/25, and some commercial vehicles auto insurance limits are higher.

Worker’s Compensation – Employer’s liability and workers compensation are two forms of no-fault insurance that the employer provides for the employee. In exchange for giving up certain rights to sue, the employee retains protection for medical expenses from injuries they sustained while on the job.

Fire Coverage – Even the smallest of fires can cause irreparable damage to your business. Your business and personal property need to be protected in the event of a fire. There are two certain types of policies: peril and all risks. Insurance companies will look at such factors as what type of construction, how you use the premises, available fire protection, the contents, and equipment, to name just a few.

Interruption of Business – If an event causes loss of business due to an insured peril, business interruption insurance can ensure the income of the company. This can help keep you afloat until you’re able to get things back under control.

General Liability – This covers a broad spectrum of liability exposures. There exist two types of policy triggers that can generate coverage: occurrence and claims made. There are other considerations as well, such as contractual liability, duty to defend, aggregate limits, pollution exposures, and fire legal liability.

Bonds – A bond is different from insurance in the sense that it expects zero loss. It generally guarantees performance, or that certain things will or won’t happen or be done. There are usually three parties involved with a bond: the surety (insurance company), oblige (the owner or whoever will benefit in the event of a loss), and the principal (the entity that the bond guarantees).

There are many other types of business insurance policies available, such as:

  • General liability insurance
  • Business property insurance
  • Commercial property insurance
  • Excess and umbrella
  • Inland marine
  • Package policies
  • Flood and earthquake
  • Workers compensation insurance
  • Specialty programs for bars and nightclubs insurance
  • Specialty programs for cyber liability insurance
  • Specialty programs for fitness Center/Gym insurance
  • Specialty programs for firearm self-defense insurance


Commercial Insurance Carriers

Commercial Insurance Carriers

We have multiple companies to serve you with including: Nationwide, Utica National, Progressive, Employers, Foremost, Hamilton, Builders & Tradesmen’s Insurance Services, and have access to many others for all your business insurance needs in Hickory, North Carolina. Our agents are here for what makes sense for your business. You pay an insurance company to protect not only from physical damage or making sure your homeowners' insurance works with your home office. Our insurance agency makes sure all insurance policy coverage from your homeowners policy to liability insurance meets all businesses' needs.

Our Business Insurance Services include:

  • Business Owners Packages (BOP)
  • Commercial Auto
  • Bonds
    • Surety
    • Fidelity
  • Business Umbrella Policies
  • Church Insurance
  • Employee Benefits
  • Employee Insurance
  • Equipment Floater
  • Builders Risk
  • Inland Marine
  • Professional Liability Insurance
    • Directors & Officers
    • Landscapers
    • Liquor Liability
    • Painters
    • Pollution Liability
  • Boiler Machinery
  • Special Event
  • General Liability
    • Contractors
    • Electricians
    • Professional Offices
    • Property Managers & Owners
    • Retail Stores
    • Plumbers
  • Workers Compensation
  • Commercial Building Property
    • Self-Storage
    • Store & Lock Centers
    • Retail Stores
  • EPLI - Employment Practices Liability Insurance
  • Truck & Trucking
  • Restaurants
    • Bars & Taverns
  • Errors and Omissions
  • Wind
  • Tailored Packages for Strip Centers
  • Crime
  • Service & Repair Insurance
    • Garage Keepers
    • Auto Body Shops
    • General Repair Shops

Local Agents with Options Business Insurance in Hickory, NC

Local Agents with Options Business Insurance in Hickory, NC

We're always looking for ways to save you money as insurance advisors. That is why our local agents are here with a quick quote and stand behind all of the products or services we provide! We have multiple companies that can help serve your needs in auto insurance, including Nationwide®, Utica, AAA, Progressive, Hagerty, and more for your business’s insurance needs.

*Statements on questions below and throughout this site are not intended to provide investment, legal, or tax advice.

With any insurance policy, businesses will be required to have bodily injury liability set at $30,000 per person and $60,000 per accident. Property damage liability is set at $25,000 per accident. Uninsured motorist coverage is set at $30,000 per person, $60,000 per accident, and $25,000 property damage per accident.