General Liability insurance North Carolina with Huckleberry Insurance

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General Liability insurance North Carolina with Huckleberry Insurance

General liability coverage and benefits in North Carolina

Even though business owners aren’t required by North Carolina law to carry general liability insurance, there are still benefits to having the coverage. For example, the plan offers businesses additional layers of protection for bodily injury liability, property damage liability, and advertising injury.

Since the North Carolina Department of Insurance doesn’t mandate general liability insurance for small businesses, most insurers will pair the coverage with other insurance products. Some insurance companies will often include general liability insurance in a business owner’s policy along with workers’ compensation.

One area that general liability insurance won’t cover is motor vehicles. Many small business owners will combine their general liability insurance with a commercial auto insurance policy to create a comprehensive insurance plan. 

By pairing these two insurance products, owners will receive all the protections that come with general liability insurance plus additional coverages from their car insurance plan, such as underinsured and uninsured motorist coverage. 

Overall, general liability insurance is an excellent option for any small business owner that wants to add an extra layer of protection against certain lawsuits.

The Huckleberry free estimate tool is one of the quickest ways to find affordable general liability coverage.

General Liability insurance North Carolina with Huckleberry Insurance

How much does general liability insurance cost in North Carolina?

For most North Carolina businesses, the rates for general liability insurance often fluctuate based on several factors. This variance in price is also true for most small business insurance policies in the state.

Generally, the biggest price elements include coverage limits, insurance requirements, business safety records, industry, and location. Since there is no set rate for general liability coverage, you must understand what you should be paying.

Huckleberry customers in North Carolina have secured general liability insurance at an average of $55 per month, with some paying as little as $21 per month. That’s a steal!

To help you get a better idea of what you should be paying for at least the minimum coverage, get a quote with Huckleberry today.

Most common industries getting general liability insurance in North Carolina:

General Liability insurance North Carolina with Huckleberry Insurance

Why Huckleberry Insurance?

  1. Competitive Rates Regardless of Location - Whether you are located in Charlotte, Raleigh, or anywhere else in the Tar Heel State, Huckleberry has some of the lowest rates
  2. Coverage in Minutes - Most North Carolina business owners find coverage within 5 minutes or less
  3. No Paperwork Required - Complete your application entirely online
  4. No Insurance Agent of Insurance Company Required - Easy to understand policies that don’t require the help of a professional

Common questions about general liability insurance in North Carolina

  • Like most states, it isn’t a requirement for business owners to carry commercial general liability insurance. Although, there are a few benefits to having an insurance policy, such as financial protection should your company be found liable for property damage, personal injury, or advertising injury.

  • There are several reasons why you should strongly consider obtaining general liability insurance coverage. For instance, most small businesses aren’t in a position to financially withstand a lawsuit. Unfortunately, if your company does get sued and you don’t have a policy in place, it could result in having to close your doors permanently. 

    Most business owners believe the coverage is too costly to justify, even with a general liability insurance plan’s extra layer of protection.

    To help business owners obtain affordable insurance rates, Huckleberry has bundled several insurance coverages, including general liability insurance, business property coverage, and business interruption insurance, into one policy known as a Business Owner's Policy.

  • If the industry your business operates in isn’t listed in the most common industries section above, there is still a good chance that your company could benefit from a general liability insurance policy. 

    For a free insurance quote, try our 60-second general liability estimate tool.

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