Business

As a business owner, your focus is on expanding your company’s potential. We can take some of the burden off your shoulders. Stanberry Insurance Agency serves over 1500 business customers throughout Western North Carolina and into Northern Georgia, Tennessee and South Carolina. We are trusted by contractors, builders, restaurateurs, county agencies, churches, trucking companies and many other types of small and large commercial businesses. Our personal attention saves you time, and as a business owner you know: time is money! We offer competitive rates and discounted savings on such policies as General Liability Insurance, Worker’s Compensation, Equipment Coverage, Bonds, Business Auto Insurance and even Special Events (such as golf tournaments and summer camps). We offer same day certificate requests and you will always speak to a live person for any policy services you might need. Contact our Commercial Lines department today for more information on how we can save you time and money!

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Business Insurance Plans

• Bonds

  If your business requires bonds in conjunction with your business operation, allow us to work with you to meet these requirements. Bonds can be required by either public or private entities to fulfill any number of guarantees or obligations. It is often as important as your insurance program!

• Builder’s Risk

  While under construction, Builder’s Risk Insurance provides coverage for your interest as well as the interests of others in specified structures. Builder’s Risk Insurance coverage will be with you for one-year and is renewable until the structure becomes occupied or receives it’s certificate of occupancy.

• Business Auto

  We all understand the importance of automobile coverage. Automobiles used by your business need coverage too! Business Automobile can offer liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained & used by your business.

• Employee Benefits

  Although employee benefits are not thought of as an asset, employee benefits are extremely valuable to your business when it comes to retaining your employees. We recommend an evaluation of your health, life, and disability policies to determine if you have adequate coverage for you and your employees. There are even products available that will give your employees discounts on their home and car insurance.

• Equipment Coverage

  Choice is important. Equipment coverage can apply to each individual piece of equipment with limits applying only to those pieces or on a blanket basis, which insures all equipment under a single amount of insurance. With equipment coverage, it’s your choice how you want to protect your equipment.

• Flood Insurance

  When disaster strikes, you want to be prepared. Almost 25% of flood claims come from low to moderate risk areas. Flood insurance can protect you against loss due to damage from rising water caused by heavy rain, snow melt, an arising flood, surface water, tides and tidal waves, and the overflow of any body of water.

• General Liability Insurance

  When you own a business, you want peace of mind. General Liability Insurance protects your business. From alleged bodily injury to personal or property damage liability, general liability insurance has got your business covered. You are also covered for services you render as well as products you sell.

• Personal Property

  Personal property isn’t just the contents of your home. Your business also has personal property such as items you use in your daily operations. From furniture to fixtures, personal property insurance offers coverage even for items located within 100 feet of your premises.

• Special Events Insurance

  Hosting a special event can be a very exciting opportunity for your business. You want to be protected and your standard policy may not be enough. Contact our commercial department to inquire about special events insurance and whether the event you’re planning might need the extra coverage.

• Umbrella

  Like an umbrella shields you from the rain, an umbrella policy shields you from catastrophic liability claims. The umbrella can provide a higher limit of coverage over underlying policies once your limits have been met or covering gaps in coverage.

• Worker’s Compensation

  Accidents happen. Our worker’s compensation insurance provides coverage for accidents and diseases that arise from employment. Benefits can include lost wages, medical expenses, and permanent disfigurement and/or disability payments. Our agents can assist you in determining if your business needs worker’s compensation insurance and the laws pertaining to worker’s compensation in all states.