Independent Shops
A business with a storefront, studio, market stall, or a mix of in-person and online sales.
Small Business Insurance
Small business insurance for the way you work.
Running a business means keeping track of people, property, customers, and changing demands. We help small businesses and nonprofits across North Carolina understand the insurance options available for how they operate, with clear explanations of coverage, deductibles, and cost.
For independent businesses
Who we work with
Independent businesses come in many forms.
No two businesses work exactly alike. Shops, makers, food businesses, and local service teams are a few examples of the businesses we help. Tell us how yours operates, and we’ll help you understand the options.
Food & Hospitality
Businesses where food, equipment, employees, and customers all play a part in daily operations.
Makers & Product Businesses
Businesses creating or selling products, with materials, inventory, tools, and orders to manage.
Local Service Businesses
Small teams serving customers from an office, at a job site, or on the move.
Coverage considerations
Coverage for the way you work.
We can talk through options for your business. What’s available depends on how you operate and each policy’s terms.
General Liability
May help address certain claims involving customer or visitor injuries and property damage.
Commercial Property
May cover business property—such as inventory, equipment, and furnishings—when a loss is covered by the policy.
Workers’ Compensation
May provide benefits for covered employee injuries or illnesses related to work.
Business Owners Policy
May combine certain property and liability coverages, and may include business interruption, for eligible businesses.
Commercial Auto
May cover vehicles used in your business, including some work and delivery needs, subject to policy terms.
Business Interruption
May help with lost income or ongoing expenses after a covered loss, subject to policy terms.
Coverage, limits, exclusions, and availability vary by insurer and policy. We can help you understand what applies to your business.
As your business changes
When the business changes.
A change in how you work can be a good time to revisit your coverage.
- Moving or signing a lease
- Hiring employees
- Buying equipment or vehicles
- Adding products or services
- Changing how you serve customers
- Opening another location
A few common questions
Let’s talk business insurance.
Tell us what you’re looking for. Your inquiry will be sent to the right person at Chadwick Insurance. Any coverage offered is subject to insurer availability and policy terms.
Can business insurance cover inventory and equipment?
Commercial property coverage may apply to inventory and equipment after certain covered losses. Limits, exclusions, and other policy terms apply.
Can you help with insurance for a nonprofit?
We can help nonprofit and community organizations explore business insurance options for their property, liability, employees, and operations. Available coverage depends on the organization’s activities, insurer eligibility, and policy terms.
Are equipment breakdown, spoilage, or product liability included?
Not always. Coverage may require a separate policy or an added endorsement. We can help you ask the right questions for your operations.
What should I bring to a business insurance review?
If you have them, bring your current policies and a few details about your location, work, team, equipment, vehicles, and any recent changes. That gives us a useful starting point for the conversation.
Tell us a little about your business.
Website inquiry formWhether you’re opening a business or reviewing existing coverage, we’ll start with what you do and what matters to you.
Your inquiry is sent to the right person at Chadwick Insurance.