Commercial coverage,
built for North Carolina small business.
General liability, workers' comp, commercial auto, BOPs, cyber, and industry-specific coverage. We write commercial lines for contractors, professional services, retail, restaurants, trucking, and more.
Get a commercial quote.
Tell us about your business and a Stevens & Co. commercial specialist will reach out with carrier options matched to your industry.
The lines that keep your business running.
We write the major commercial lines for North Carolina small business, and we package them into a Business Owner's Policy when it makes sense.
General Liability
Coverage for third-party bodily injury, property damage, and personal injury claims. The foundation of any commercial program.
Workers' Comp
State-required coverage for employee injury and lost wages. We pair you with carriers that understand your class code.
Commercial Auto
Trucks, vans, fleet, and hired-and-non-owned auto. Built for contractors, delivery, and any business that puts wheels on the road.
Business Owner's Policy
GL plus property in one package, often with business income coverage built in. The most cost-effective program for small business.
Cyber Liability
Coverage for breach response, data restoration, ransomware, and third-party liability. Increasingly required by clients and lenders.
Industry-Specific
Contractors, restaurants, salons, professional services, trucking, and more. Matched to a carrier that specializes in your trade.
The right commercial program pays for itself.
A bad claim, a missing endorsement, a cheap policy that turns out to exclude what you actually do. Most small businesses do not learn the gaps in their program until they are filing a claim. By then, the cost is already out of pocket.
- Carrier matched to your industry, we know which carriers love contractors, which ones love restaurants, and which ones to avoid.
- Workers' comp audit support, we help you prepare for the audit so you are not surprised by a premium bump.
- Certificates of insurance, fast turnaround on COIs and additional insureds, often the same day.
- Annual program review, your business changes, and your program should keep pace. We review every year.
Commercial
questions.
The most common things we get asked by Carolina business owners shopping their commercial program.
Do you write workers' comp for high-mod accounts?
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How fast can I get a certificate of insurance?
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Can you handle multiple states for our growing business?
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Do you cover startups and brand-new businesses?
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