Leland Business Insurance
Commercial coverage for the contractors, shops, restaurants and growing companies of Leland and northern Brunswick County, from our office at the Shops at West Gate.
Commercial coverage for the contractors, shops, restaurants and growing companies of Leland and northern Brunswick County, from our office at the Shops at West Gate.
Leland's population grew from 22,908 in 2020 to a certified estimate of 33,065, according to the town, and the town notes that the Census Bureau now counts Brunswick as the fastest-growing county in North Carolina. Growth like that runs on construction. In 2024, construction had more establishments in Brunswick County than any other private sector, at about 1.45 times the national employment share. Retail, restaurants and real estate also run well above national shares.
The town is planning for more. It recently rezoned about 515 acres along U.S. 17 between the Westgate shopping area and Brunswick Forest, and along N.C. 133 (River Road), to FlexCode zoning. The Leland Innovation Park is a 630-acre campus on U.S. 74/76 and I-140, and the town says it has more than 131 acres open for new and expanding businesses in fields like life science, medical technology, marine biology, aerospace, information technology and renewable energy. The town lists the Port of Wilmington 7 miles away and Wilmington International Airport 11 miles away.
Workers compensation. Employers with three or more employees regularly employed in the same business need it, or approval to self-insure. Corporate officers count toward the three. Sole proprietors, partners and LLC members aren't counted automatically, but can elect coverage. Going without required coverage can bring a penalty of $1 per employee per day, at least $20 and at most $100 a day, plus criminal charges.
The subcontractor rule matters most here. A contractor who sublets work without getting a certificate of insurance from the subcontractor can be held liable for the sub's injured workers as if they were its own, even if the sub has fewer than three employees. In a construction-heavy county, collecting certificates is part of the job.
Business vehicles need at least North Carolina's 50/100/50 auto minimums.
Customer injuries and property damage. A BOP packages liability with property for eligible small businesses.
Required at 3 or more employees. We also help with certificates and the year-end audit.
Tools on the job site and buildings under construction.
Buildings, equipment and inventory, with wind, named storm and ordinance-or-law coverage.
Contractor trucks, service vans and fleets.
For engineers, consultants, real estate and medical technology firms.
Higher limits above general liability, auto and employer's liability.
Every client works with a licensed advisor, and we compare more than 100 insurance companies.
See also: North Carolina Business Insurance, statewide rules and coverage.
Yes, once you have three or more employees regularly employed, or one if any work involves radiation. Corporate officers count toward the three.
You can be. Under G.S. 97-19, a contractor who doesn't get a certificate of insurance from a sub can be liable for the sub's injured workers, even if the sub has fewer than three employees.
Not always. Many coastal policies exclude wind and hail. The Coastal Property Insurance Pool writes commercial wind and hail in Brunswick County, and flood needs its own policy.
General liability, commercial auto, coverage for tools and equipment, and workers comp at three or more employees. Many general contractors also require additional insured status and specific limits in their subcontracts.
Yes. We write property, liability, professional liability, workers comp and auto for new and expanding companies, and can meet landlord and lender requirements.
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.