Commercial Services

Commercial Insurance Winston Salem

We are dedicated to our business clients and understand the importance of appropriate and complete coverage coupled with the best value for your insurance dollar.

Property/Liability/Crime

Property

Coverage for your property can include your buildings, business personal property including leasehold improvements and inventory, loss of earnings, and numerous other category specific property forms.

General Liability

Coverage to protect your business in the event you are found to be legally liable for a covered loss invovlving bodily injury or property damage to a third party. This coverage includes comprehensive general liability, products/completed operations, personal/advertising injury, fire legal liability, premises medical and employee benefits liability.

Crime Coverage

Can cover your business for loss due to various types of employee dishonesty, embezzlement, and theft.

Workers Compensation

The State of North Carolina requires any employer who has 3 employees or more (1 owner and 2 employees)to provide Workers Compensation coverage. This coveragee is required by law and is, therefore, not optional. The insurnace carriers that offer Workers Compensation in North Carolina do not all charge the same rates for each class of business.  The differences in rates by class code from one company to the next can be dramatic. We represent some of the most competitive Workers Compensation providers in the State.

Professional Liability

Also known as Errors & Omissions Liability (E&O), Directors & Officers Liability (D&O), or Malpractice Insurance, Professional Liability provides our clients with insurance protection if a suit is brought against them claiming, among other things, that the advice a person gave or failed to give, or the acts they performed or failed to perform for a client/patient, caused financial loss or bodily injury.

This type of litigation can be very expensive to defend.  Even if the claim is denied by the court, there are often significant attorney fees involved.  Professional liability coverage can respond both to damages awarded and defense costs incurred for these type of claims.

Umbrella

Provides additional amount of liability coverage from $1,000,000 to $50,000,000 or more depending on the needs of your business.

Surety Bonds

We offer all of the various type of surety bonds that you may be required to provide:

  • License bonds
  • ERISA bonds (401k & pension plan bonds)
  • Fidelity bonds
  • Performance bonds
  • Bid bonds
  • Shipping bonds

Employment Practices Liability / Director & Officers Liability

Employment Practices Liability

Covers your business and your directors and officers for lawsuits from employees alleging various types of discrimination such as sexual, age, race, gender, sexual preference and many more.

Directors & Officers Liability

Covers the Directors & Officers of the Corporation against various types of lawsuits alleging that, due to the negligent decisions made (or not made) by them in conducting the Corporation's business, injury was caused and/or damages resulted to third parties.

Commercial Forms:

Get a Commercial/Business Quote
Make a Certificate Request
Get a Commercial Renewal Review
Report a Commercial Claim

What Our Customers Say!

Fletcher Wilson has established himself as a highly-skilled insurance professional.  He and his firm excel in all areas pertaining to Insurance and Risk Management solutions.  Fletcher has built a reputable firm in our community with trustworthy associates.  He and his team handle their clients in a very professional manner. 

Steven H. Davis, Principal at Holden & Mickey, Inc.

Read what others have to say.

What's New

What You Should Know About Rental Car Insurance
2/1/2018
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
  • Theft of the Vehicle
  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
  • Loss of Use
  • Glass, Tire and Undercarriage Damage
  • Animal Collision
  • Flood and Hail Damage
  • Damage above the Windshield
  • Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
Read More »

 

The Five Costliest Traffic Tickets for Auto Insurance
1/15/2018

Those whirling blue lights in the rearview mirror usually mean just one thing: It's traffic ticket time. The worse the violation, the more your car insurance costs may rise because it's more likely you'll be considered a bigger risk to the insurer.  Rack up a combination of the nastiest violations plus a few accidents, and insurers may even refuse to cover you, says Loretta Worters, spokeswoman for the Insurance Information Institute, a trade group.

 
It boils down to matching the premium you pay to your risk as a customer, says State Farm spokesman Dick Luedke. "Sometimes you get lucky and violate (traffic laws) a lot and don't get caught, and sometimes you do it once, and you are caught," he says. "That's why we use all sorts of other things to measure risk as well." So it's tough to say how much your insurance premiums will rise per violation. Different insurers calculate premium costs differently, Worters says. With the help of experts, including J. Robert Hunter, insurance director for the Washington, D.C.-based Consumer Federation of America, we now identify what are considered the five worst traffic violations for your insurance bills:
Read More »

 

What Car Insurance Covers, and What it Doesn't...
1/1/2018

Understanding exactly what your car insurance covers is a crucial part of owning a vehicle, but experts say few consumers are fully informed on their auto policies. According to a 2012 survey by the National Association of Insurance Commissioners (NAIC), more than half of Americans don't know basic facts about auto insurance, and only 45% feel confident making decisions about it.

Here are six things you need to know about how well your car is protected:

Read More »