BUSINESS INSURANCE

Businesses ranging in size, from self-employed consultants to large organizations with fleets of trucks and specialty vehicles need commercial auto insurance. A commercial auto agent at Younts Insurance Agency will analyze your business needs and identify the best option for insuring your business auto exposures. The right insurance for your vehicles will protect your business when leasing or owning vehicles, employees drive business- owned or borrowed vehicles, and when you have non-employees in your vehicle for business activities.

Contact us today for a free quote and to learn more about your options for commercial auto insurance that will protect your business from property loss and liability claims all while fitting your budget.

A business owner’s policy for your business provides several important insurance protections for buildings, personal business property, business interruption, bodily injury liability, and property damage liability. These policies are designed especially for small and medium-sized businesses and can be customized to fit the needs of various commercial enterprises.

Our business insurance agents will review your needs and provide you with several competitive premium comparisons. Getting the right policy with the right coverage limits is crucial to safeguarding your business from losses that could result in disaster. Contact one of our business owners’ policy professionals for a no-obligation insurance quote.

Commercial general liability insurance is essential coverage that protects you and your business from claims and lawsuits against you that might occur while operating your business.

Younts Insurance Agency provides a wealth of experience and a range of options to meet your needs. Contact us today to help determine your exposures and the limits appropriate for your operations to provide maximum coverage at a competitive rate.

A commercial package policy is a type of business policy that bundles coverages together for liability, property, boiler and machinery, crime, and other optional coverages to create flexibility customized to your business.

The purpose of business property insurance is to get your business up and running quickly after a fire, theft, or other misfortune. What that could mean is repairing your building or replacing inventory, equipment, or other business personal property. If you exercise the business interruption option, commercial property insurance can also replace the lost income and pay suppliers while your business is being put back together after a covered loss or claim.

United Cabarrus Insurance represents several top-rated commercial property insurance companies so we can review a number of options for your business with different coverage options, limits, deductibles, and credits. Contact one of our commercial property agents today and start protecting your business with confidence today.

Standard commercial insurance liability limits should be enough to protect your business from most situations where your business is charged with legal liability for injury or property damage, but it won't cover those catastrophic lawsuits and judgments that are increasing in frequency. Commercial umbrella insurance provides an affordable layer of excess liability insurance for your business above the limits provided by standard business liability policies and could mean the difference between staying in business or becoming a lawsuit casualty in situations such as a company employee causing an accident that results in permanent disability, a product you distribute is found to be defective and causes illness, or an employee who becomes intoxicated during a business dinner, causing an accident and injuries.

There are literally dozens and dozens of situations where liability claims can exceed your commercial or professional liability insurance coverage limits. A commercial liability insurance agent at United Cabarrus can help you identify and control those exposures and review coverage options from several top-rated insurance companies. Contact us today to get the right protection for your business!

Cyber liability insurance covers a range of loss exposures including damages due to loss or theft of data, introducing a virus into another business's network, and email transmitted libel. Your business may not be a 'technology business,' but if you use technology to run your business - like email, networks, and the web, you have cyber liability exposures. The risk posed by cyber exposures changes quickly and traditional insurance policies are not designed to protect your business from this threat to your financial welfare.

Contact us today to learn more about the ways we can identify and cover the cyber risks to your business.

This kind of insurance provides insurance against liability for, just as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates.

As an example, policy coverages can include claims related to sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination, and invasion of privacy. Recent growth in employment practice litigation makes a review of employment practices and insurance protection a necessity for most businesses today.

Errors and omissions insurance is basically a type of professional liability insurance that pays for liability claims resulting from damages due to failure to perform some duty for which the insured was trained or even just represented some specific expertise.

Inland marine insurance is a specialized type of insurance designed for mobile equipment as well as unique or special business property. Inland marine generally provides a replacement for the property should it be lost, damaged, or stolen. Not only is inland marine insurance used by business owners to cover their mobile business equipment, but inland marine insurance is also used when insurance is required for business property such as bridges or radio towers.

Contact one of our inland marine insurance agents to review your commercial insurance program, help you review your needs, and get you the right protection for your business property.

You don't have to manufacture a product to be liable for damages due to injury or loss related to that product. If you are in the business of supplying, selling or even providing a repair service. There are also 'products' that we don't normally think of as 'products,' like the food served in a restaurant, that expose a business to product liability claims. Product liability insurance covers all kinds of businesses engaged in making, delivering, selling, or supporting almost any kind of product.

If your business or profession requires specialized knowledge and you provide service or counsel based on that knowledge, then you could be a target for a lawsuit not covered under standard commercial liability insurance.

United Cabarrus Insurance can provide competitive professional liability insurance, sometimes called errors and omissions insurance, for accountants, attorneys, architects, counselors, engineers, business consultants, personal trainers, photographers, and technology companies running operations in North Carolina.

Professional liability insurance will protect you if you are held liable for financial loss or other damages as a result of negligence or another failure to perform services and covers defense costs.

To learn more about professional liability options for you or your business, contact one of our professional liability insurance agents today.

Workers' compensation insurance in North Carolina works two ways; it protects your employees and protects your business. If an employee is injured on the job, workers' compensation insurance will pay for medical care, disability - whether permanent or temporary and death benefits. If you are found to be liable for employee injury or illness workers' compensation will protect you and your business. This type of insurance is often mandatory.

Check with one of our workers' compensation agents to explore coverage options for you. As an independent insurance agent, we represent several top-rated companies and can find you the right coverage to fit your business insurance budget.