A. Provide the most competitive pricing that covers the needs of your business.
B. Carefully study your business needs.
C. Develope an insurance plan that is tailored to your business needs.

Whether you run a construction firm or a industrial facility, we will research your business and provide a package specifically designed to fill your insurance needs.

We can fill your business insurance requirements, whether your business is large or small. As your total quality independent insurance agency we offer the following insurance coverage for your business:

Commercial Property insurance provides coverage for your building and the contents of the building. We offer coverage from specifically named hazards policies to broader-coverage all-risk policies.

Commercial Liability  insurance provides coverage that are designed to meet the management needs of your business, including insurance for liabilities that are associated with operating a commercial business enterprise.

Business Auto insurance provides coverage to protect your business from the liability that using autos in a business entails. Fleet or individual vehicle coverage is available, including coverage for owned, non-owned, or hired vehicles including trucks, vans, autos, and tractor trailers. We also offer physical damage coverage for all of your fleet or individual business vehicle needs.

Workers Compensation coverage is designed to meet the coverage laws and requirements for the states of North Carolina and South Carolina.The coverage offers protection for injured workers through the employer's liability coverage.

Home Based Business coverage protects your home-based business enterprise. Many homeowners policies do not necessarily cover many home business-related  claims. This lack of coverage could result in a disastrous loss of income, or other significant losses for your business. We will work with you to design a package to cover your Home Business Insurance needs.

Special Event Coverage offers protection with coverage for a short term special event.

Umbrella and Excess Liability coverage provides additional coverage over and above the limits of your property and liability policy. Be prepared for the unexpected - let our agents find a package to protect your business investment.

We may be able to save your business money by packaging your various insurance needs into a single policy. Contact our agents at Barnette and Coates and we'll go to work for you.

Please include in your request the type of business (i.e. restaurant, home construction, etc.) to be insured, annual payroll or annual income (for sole proprietors), and the type of plans you are interested in. They may include worker's compensation, general liability, professional liability, Business Owner Plans, and Business Auto Plans, just to name a few.