Charlotte Business Insurance
Commercial coverage for the firms, carriers, contractors and landlords that make up Charlotte's economy, from an office on South Tryon Street.
Commercial coverage for the firms, carriers, contractors and landlords that make up Charlotte's economy, from an office on South Tryon Street.
Charlotte's economy is built on a few big engines, and each one carries its own insurance needs.
Finance and professional services. Mecklenburg County describes Charlotte as the second largest finance center in the United States, with more than 104,000 people working in financial services across the region. In 2025, the County and City reported their most successful recruitment year in more than a decade, with 6,357 jobs created. Around those employers sit the accountants, consultants, law and real estate firms and technology vendors that serve them. For these businesses, the main risks aren't fire and wind. They're a client claiming bad advice and a data breach.
Logistics and transportation. Charlotte Douglas International Airport is owned and operated by the City, is the only large hub airport in the Carolinas, and has more than 20,000 workers on site. It's American Airlines' second-largest hub. Trucking, warehousing, couriers and delivery fleets work the interstates around it, and their biggest exposure is the road.
Construction and property. A growing city keeps contractors and commercial landlords busy. Their risks are contract-driven: additional insured requirements, waivers of subrogation and specific limits written into every job and lease.
Professional liability and cyber. A general liability policy doesn't cover a mistake in your professional work or the cost of a breach. Professional liability (E&O) and cyber policies do. If a client contract lists insurance requirements, match your policies to it before you sign.
Commercial auto on congested interstates. NCDOT reports more than 160,000 vehicles a day on I-77 between I-277 and the South Carolina line, with five to six crashes daily and a crash rate more than 2.5 times the statewide average for urban interstates. For a fleet, that's the daily operating environment. North Carolina's contributory negligence rule means fault findings matter, and your liability limits need to fit a multi-vehicle crash, not the state minimum.
Hail and inland flood on commercial buildings. North Carolina sees the most hail in May, and large flat or low-slope commercial roofs take it hard. Helene showed that inland flood can be severe in North Carolina, and federal flood insurance stops at $500,000 for the building and $500,000 for contents. Charlotte's FEMA Community Rating System Class 2 status discounts NFIP premiums, up to 40% inside the regulated floodplain and 10% outside it.
Crews on both sides of the line. A Charlotte contractor working in Fort Mill or Rock Hill is working in South Carolina, where workers comp is required for businesses regularly employing 4 or more, rather than North Carolina's 3. Ask us to check your policy's other-states coverage before your crew works there.
For accountants, consultants, financial advisors, real estate firms and technology companies.
For offices, retailers, restaurants and service businesses, including tenant improvements and business income.
Fleets, delivery vehicles and motor carriers, with federal filings and cargo coverage for interstate haulers.
North Carolina and South Carolina coverage, plus year-end audit help.
Buildings, equipment and inventory, hail and wind, NFIP and excess flood.
Higher limits above liability and auto, plus directors and officers and employment practices liability.
101 S Tryon St, Suite 2700, Charlotte, NC 28280 · (910) 791-1011
Sizemore Insurance is an independent, family-owned agency founded in Wilmington in 1977, with eight offices in North Carolina, including Charlotte. We compare more than 100 insurance companies, every client works with a licensed advisor, and we're licensed in North Carolina, South Carolina, Virginia, Maryland and other states.
See also: North Carolina Business Insurance, statewide rules and coverage.
North Carolina requires workers comp once you have three or more employees regularly employed, and business vehicles need at least the state auto minimum. Other coverage, like general liability and professional liability, is usually required by your landlord, lender or clients rather than by the state.
No. General liability covers bodily injury and property damage. A claim that your advice or work caused a client financial loss needs professional liability (E&O).
If it's in a mapped floodplain with a federally backed loan, your lender will require it. Outside the floodplain it's optional, but inland flooding happens, and Charlotte's CRS status lowers NFIP premiums.
Ask us to check your workers comp for South Carolina, since its threshold and rules differ, and make sure your commercial auto covers vehicles garaged in each state. We're licensed in both.
At least the federal minimum for interstate for-hire carriers, $750,000 for most general freight, plus physical damage, cargo and the filings your authority requires.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.