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Get Small Business Insurance in North Carolina

biBERK is trusted by many companies for small business insurance in North Carolina. We offer flexible policies to protect you from the many types of risk North Carolina businesses face.

North Carolina Workers' Compensation Insurance

Workers' comp insurance in North Carolina helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We provide tailored workers’ comp insurance in North Carolina to suit your business.

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North Carolina General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a vital type of business liability insurance in North Carolina. It covers damages and legal costs associated with injury claims to customers and other people you don't employ (like from slip-and-fall accidents at your business location), medical costs associated with these incidents, and damage to other people's property that was caused by your business. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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North Carolina Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like visitor injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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North Carolina Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). If you’re an insurance agent, for example, and you advise a customer to purchase the wrong policy, you may be protected if they suffer financial damages due to the coverage gap and they sue you. You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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North Carolina Umbrella Insurance

Every small business insurance policy you purchase has a maximum value that it will cover in the event of an incident. North Carolina umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella insurance in North Carolina to protect your company.

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We Cover all Kinds of Professionals and Businesses in North Carolina, Including:

  • Auto body repair shops
  • Auto service and repair centers
  • Building electrician services
  • Business consultants
  • Cabinet and trim installers
  • Carpentry services
  • Contractor building operations
  • Day care centers and day camps
  • Detective agencies
  • Domestic service contractors
  • Entertainment center installers
  • Fast food restaurants
  • Floor and carpet installers
  • Furniture storage warehouses
  • Grocery stores
  • Group homes
  • Health care services
  • Heating and air companies
  • Household appliance installers
  • Indoor ceramic tile, stone, and marble installers
  • Iron dealers and steel scrap dealers
  • Landscaping and gardening services
  • Local truck hauling companies
  • Long distance trucking companies
  • Masonry services
  • Painters and wallpaper installers
  • Parcel delivery services
  • Park operations
  • Patrol agencies
  • Plumbing services
  • Restaurants
  • Telephone companies
  • Truck drivers
  • Wallboard installers
  • Wholesalers

Why biBERK for Business Insurance in North Carolina?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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Why is biBERK Better for Small Business Insurance?

We’re often less expensive and easier to do business with than other providers of small business insurance in North Carolina. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Business Insurance in North Carolina—Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Raleigh-Durham, NC
  • Business insurance in Charlotte, NC
  • Business insurance in Wilmington, NC
  • Business insurance in Fayetteville, NC
  • Business insurance in Greensboro, NC
  • Or anywhere in North Carolina!

What do biBERK Customers Say?

What Coverage is Required for North Carolina Small Businesses?

Workers' Compensation

In North Carolina, every business with three or more employees is required to carry workers’ compensation insurance or qualify as self-insured employers for purposes of paying workers’ compensation benefits to their employees. You can receive substantial fines and criminal penalties if you’re required to have workers’ comp insurance in North Carolina or proof of self-insurance but don’t have coverage.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific small business insurance coverage, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in North Carolina?

The cost of business insurance in North Carolina depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Determine your cost for small business insurance in North Carolina with instant online quotes.

Business Insurance in North Carolina in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for small business insurance in North Carolina and save up to 20%.