What Does General Liability Insurance Cover for Contractors? Bodily Injury on the Job Site Covers injuries to non-employees that occur due to your operations. Common contractor scenarios in NC: A homeowner trips over materials on a job site A visitor or inspector is injured during construction A client is hurt while walking through a remodel This coverage helps pay medical costs, legal defense, and settlements. ⚠️ Employee injuries are not covered — workers’ compensation is required in North Carolina. Property Damage Caused by Construction Work Covers damage your work causes to someone else’s property. Examples include: Accidental structural damage during renovations Water damage caused by plumbing or roofing work Damage to neighboring property on a job site This is one of the most common contractor claims in North Carolina. Products & Completed Operations (Critical for Contractors) This coverage applies after the job is finished . Examples: Faulty workmanship causes damage months later Improper installation leads to a loss A completed project results in bodily injury For contractors, this is often where the biggest claims occur — especially on residential and commercial builds. Personal & Advertising Injury Protects against non-physical claims related to how you market or communicate. This may include: Copyright infringement in advertising Defamation or slander claims Disputes over marketing language or online content Contractors who advertise online or use social media are increasingly exposed. Legal Defense Costs Even unfounded claims can cost thousands. General liability insurance helps cover: Attorney fees Court costs Settlements or judgments (if applicable) This protection alone often justifies the policy cost. What General Liability Insurance Does NOT Cover for Contractors It’s important to understand the gaps: Employee injuries (workers’ compensation) Faulty design or professional advice (contractor E&O / professional liability) Auto accidents (commercial auto insurance) Damage to your own tools or equipment (inland marine) Intentional acts Most contractors in North Carolina need multiple policies for full protection. How Much General Liability Coverage Do Contractors Need in NC? Most contractors start with: $1,000,000 per occurrence $2,000,000 aggregate However, many projects require: Higher limits Additional insured endorsements Primary & non-contributory wording Waivers of subrogation Umbrella policies are commonly used to meet contract requirements affordably. Who Needs Contractor General Liability Insurance? This coverage is essential for: General contractors Subcontractors Home builders Remodelers Electricians, plumbers, HVAC Roofers, painters, framers Concrete and grading contractors If you step on a job site in North Carolina, you likely need it. Why Contractor General Liability Insurance Matters in North Carolina North Carolina construction projects involve: Tight contracts Rising claim severity Increased litigation Strict insurance requirements One uncovered claim can shut down a business. The right general liability policy helps protect your income, your license, and your future. Get Contractor General Liability Insurance in Mooresville, Lake Norman & Charlotte Contractor insurance isn’t one-size-fits-all. Class codes, subcontractor exposure, completed operations, and contract language all matter. Working with an independent agency ensures your general liability coverage is built specifically for North Carolina contractors — not a generic policy that fails when you need it most. Call Carter Insurance today for a quote. With more than 20 years of experience working with contractors , we understand the risks and challenges you face every day—and how to protect your business properly.
Learn what homeowners insurance covers in North Carolina, including dwelling, personal property, liability, wind and hail, flood exclusions, and deductibles.
Protect your North Carolina small business with a tailored Business Owners Policy (BOP). Carter Insurance Associates serves Charlotte, Mooresville, and Lake Norman with affordable, comprehensive commercial coverage.
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Protect your food truck in Charlotte, Mooresville & Lake Norman with affordable insurance for liability, property, and business risks. Get a free quote today!
Flood Insurance in North Carolina: Protect Your Charlotte, Mooresville & Lake Norman Property When heavy rainstorms hit Charlotte, Mooresville, or Lake Norman, North Carolina , the risk of flooding increases dramatically. Even a few inches of water can cause thousands of dollars in damage to your home or business. That’s why flood insurance is essential—it helps protect your property, belongings, and finances from unexpected flood damage. Why Flood Insurance Is Essential in North Carolina Many homeowners and business owners in Charlotte, Mooresville, and Lake Norman don’t realize that standard homeowners or commercial insurance policies do NOT cover flood damage . Without flood insurance coverage , you could face massive out-of-pocket expenses after: Heavy rainfall or flash floods Storm surges along Lake Norman or the Catawba River Hurricanes or tropical storms Flood insurance provides financial protection for: Buildings & Structures – Covers repairs for homes, businesses, and rental properties. Personal Property – Protects furniture, appliances, and electronics. Cleanup & Restoration – Pays for debris removal, water damage repairs, and mold prevention. Do You Need Flood Insurance in Charlotte, Mooresville, or Lake Norman? You might assume flood insurance is only necessary for lakefront homes or properties near rivers . But according to FEMA : 1 in 4 flood claims comes from low-to-moderate risk areas. Just one inch of water in your home can cost more than $25,000 in damages . If your home or business is located in a Special Flood Hazard Area (SFHA) or near Lake Norman, the Catawba River, or major creeks , your mortgage company may even require flood insurance . How Much Does Flood Insurance Cost in North Carolina? Flood insurance rates depend on: Your property’s flood zone Elevation and distance from water sources Age and structure type of the building The National Flood Insurance Program (NFIP) offers affordable flood policies, and private flood insurance carriers often provide higher coverage limits and additional benefits. The Carter Insurance Associates Advantage At Carter Insurance Associates , we specialize in flood insurance for homeowners and businesses in Charlotte, Mooresville, and Lake Norman, NC . We compare multiple carriers to ensure you receive: Affordable flood insurance rates Comprehensive coverage for your property and belongings Expert advice tailored to your location and risk factors Protect Your Home or Business Before the Next Storm Floods can strike with little warning. Don’t wait until it’s too late to protect your home, business, and peace of mind. Contact Carter Insurance Associates today for a free flood insurance quote and expert guidance on safeguarding what matters most.
Workers’ Compensation Insurance in Charlotte, Mooresville & Lake Norman, NC. Stay compliant, protect employees, and save on Workers’ Comp coverage with Carter Insurance Associates.
Get the right small business insurance in Mooresville, Charlotte, & Lake Norman NC. Carter Insurance Associates—your trusted local insurance experts.
Learn how general liability insurance in Charlotte, NC protects your business from risks like bodily injury and property damage.