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Find Commercial Insurance Agents Near You in Charlotte, NC

Browse commercial insurance agents serving Charlotte, North Carolina. Updated 2026-07-14.

The top-rated commercial insurance agent in Charlotte, North Carolina is Curtis Helms Insurance, rated 4.9 stars across 1,603 reviews. Other highly rated options include Pegram Superior Mitchell Insurance Agency, Pegram Insurance, CAP Insurance Group. This directory lists 24 commercial insurance agents serving Charlotte.

Showing 24 commercial insurance agents in Charlotte, NCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Curtis Helms Insurance6324 N Tryon St #101(704) 921-2118
2Pegram Superior Mitchell Insurance Agency106 W Arrowood Rd B(704) 527-8543
3Pegram Insurance6824 Albemarle Rd E(704) 536-1919
4CAP Insurance Group1524 E Morehead St Suite 300(704) 540-4200
5Laurie Insurance Group2701 Coltsgate Rd Suite 100(704) 342-2886
6Hutch Ham Agency, Inc.1230 W Morehead St #306(704) 525-6016
7Latorre Insurance124 N McDowell St(704) 566-8181
8Capstone Insurance Agency6132 Brookshire Blvd suite b(704) 391-8483
9Howard Hanna Insurance Services6207 Park S Dr #201(704) 547-5656
10O'Connor Insurance Associates, Inc.1973 J N Pease Pl #203(704) 510-8884
CH
6324 N Tryon St #101
Curtis Helms Insurance
Commercial Insurance Agent · Charlotte, NC

Curtis Helms Insurance serves the Charlotte, North Carolina metro area as a commercial insurance agent. The company assists local businesses with securing coverage tailored to their operational risks and industry needs. It helps clients navigate policy options that protect against liability, property damage, and income interruption. A typical range of services includes evaluating exposure to loss and recommending appropriate insurance solutions. The agency specifically handles general liability and workers’ compensation insurance policies for area businesses.

PS
106 W Arrowood Rd B
Pegram Superior Mitchell Insurance Agency
Commercial Insurance Agent · Charlotte, NC

Pegram Superior Mitchell Insurance Agency serves local businesses, commercial property managers, and independent entrepreneurs in Charlotte, North Carolina. The agency offers commercial insurance policies designed to protect company assets, manage liability risks, and secure operational continuity. Each client’s coverage needs are assessed individually to match the appropriate policy structure and limits. The agency supports firms throughout the Charlotte metro area, including parts of Mecklenburg County and neighboring communities such as Matthews.

PI
6824 Albemarle Rd E
Pegram Insurance
Commercial Insurance Agent · Charlotte, NC

Pegram Insurance operates as a commercial insurance agent serving businesses throughout Charlotte, NC. The agency helps companies assess their unique risk exposures and secure appropriate liability and property coverage policies tailored to their specific operational needs. It also guides clients through the process of adding specialty coverages, such as business interruption insurance or commercial auto protection, when necessary. Pegram Insurance can serve a wide range of commercial sectors, including professional offices, warehousing facilities, and food service establishments.

CI
1524 E Morehead St Suite 300
CAP Insurance Group
Commercial Insurance Agent · Charlotte, NC

Commercial insurance clients in Charlotte often choose between one-time policy placements for project-specific needs and recurring coverage for ongoing business operations. CAP Insurance Group handles both structures with the agent’s guidance on general liability, property, or workers’ compensation options. Each client’s risk profile determines the recommended policy type and scope. The firm also addresses local commercial auto and umbrella coverage. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s renewal cycle or new risk exposure.

LI
2701 Coltsgate Rd Suite 100
Laurie Insurance Group
Commercial Insurance Agent · Charlotte, NC

As Charlotte businesses prepare for seasonal shifts that bring new liability exposures, Laurie Insurance Group reviews existing policies to identify coverage gaps. This local commercial insurance agent serves area firms with business owner policies, general liability, and workers’ compensation plans. Every quote reflects an understanding of regional risks like storm damage or construction-site hazards. A prospective client begins by scheduling a no-obligation risk assessment, after which an agent inspects the current workplace and operations.

HH
1230 W Morehead St #306
Hutch Ham Agency, Inc.
Commercial Insurance Agent · Charlotte, NC

Hutch Ham Agency, Inc. is a commercial insurance agent serving businesses throughout Charlotte, North Carolina. The agency partners with a variety of carriers to build coverage plans tailored to each client’s operational risks and industry demands. Typical areas of focus include general liability, property protection, workers’ compensation, and commercial auto policies. For companies requiring more detailed safeguards, the agency also offers specialized policies such as professional liability or cyber liability insurance.

LI
124 N McDowell St
Latorre Insurance
Commercial Insurance Agent · Charlotte, NC

For businesses with ongoing risk exposure, recurring policy reviews often provide stability, while one-time coverage is suited for short-term projects. Latorre Insurance serves firms in Charlotte, North Carolina, offering Commercial Insurance Agent services that address general liability, property protection, and worker’s compensation needs. Coverage is tailored to match each client’s operational scale and industry. The company operates on both a scheduled renewal cycle and an as-needed consultation basis, allowing clients to request immediate policy adjustments when business circumstances change.

CI
6132 Brookshire Blvd suite b
Capstone Insurance Agency
Commercial Insurance Agent · Charlotte, NC

Capstone Insurance Agency in Charlotte, North Carolina works with businesses to secure coverage for property, liability, and operational risks. It also provides specialized commercial insurance policy add-ons such as business interruption protection and equipment breakdown coverage. The agency assists clients in navigating the unique regulatory and weather-related exposure in the region. Its services are available for commercial sectors including offices, warehouses, and food service operations.

HH
6207 Park S Dr #201
Howard Hanna Insurance Services
Commercial Insurance Agent · Charlotte, NC

As Charlotte’s businesses face shifting seasonal liabilities and evolving regional regulations, Howard Hanna Insurance Services provides tailored commercial coverage to help manage risk across diverse industries. This local firm focuses on matching policies to each client’s operational exposure, whether for retail, construction, or service providers. After an initial consultation, a thorough assessment of premises, equipment, and current coverage is scheduled to identify gaps and begin the policy design process.

OC
1973 J N Pease Pl #203
O'Connor Insurance Associates, Inc.
Commercial Insurance Agent · Charlotte, NC

O'Connor Insurance Associates, Inc. in Charlotte provides commercial insurance agents who analyze liability and property exposures for local businesses. It works with company clients across various industries to review coverage needs and policy structures. General duties include comparing insurance carriers for suitable risk management plans. During severe weather seasons in North Carolina, the agency helps businesses assess potential storm-related damages and adjust their property coverage limits accordingly.

PI
2701 Coltsgate Rd STE 101
Pegram Insurance
Commercial Insurance Agent · Charlotte, NC
(704) 494-9495
pegramonline.com
SI
6914 Matthews-Mint Hill Rd #150
Superior Insurance Of Charlotte
Commercial Insurance Agent · Charlotte, NC
(704) 545-7171
thesuperiorinsurance.com
HB
1501 E 7th St
H B Cantrell & Co
Commercial Insurance Agent · Charlotte, NC
(704) 954-9000
erieinsurance.com/agencies/nc/charlotte/jj2003
MM
6101 Carnegie Blvd #415
Mark McDuffie Insurance Agency
Commercial Insurance Agent · Charlotte, NC
(704) 364-9227
mcduffieinsurance.com
AI
537 W Sugar Creek Rd Ste 104B
A1 Insurance Agency
Commercial Insurance Agent · Charlotte, NC
(704) 598-4442
a1insurancepros.com
SI
226 Baldwin Ave
Star Insurance Group
Commercial Insurance Agent · Charlotte, NC
(980) 737-7827
starinsgroup.com
PI
233 S Sharon Amity Rd #103
Piedmont Insurance Associates
Commercial Insurance Agent · Charlotte, NC
(866) 308-4704
piedmont-ins.com
SC
11220 Elm Ln Ste 202
State & Co Insurance LLC
Commercial Insurance Agent · Charlotte, NC
(980) 475-8075
statecoinsurance.com
OH
2210 Crownpoint Executive Dr
O H Walker Insurance Agency
Commercial Insurance Agent · Charlotte, NC
(704) 814-4343
ohwalkerins.com
CI
7130 Matthews-Mint Hill Rd
Charlotte Insurance Group
Commercial Insurance Agent · Charlotte, NC
(704) 545-6700
charlotteinsurancegroup.com
FI
4614 Wilgrove Mint Hill Rd
Fortitude Insurance Advisors
Commercial Insurance Agent · Charlotte, NC
(980) 825-9969
fortitudeins.com/contact/refer-us
RI
1515 Mockingbird Ln STE 400
Revon Insurance
Commercial Insurance Agent · Charlotte, NC
(704) 833-8767
revoninsurance.com
CI
17206 Lancaster Hwy STE 506
Carolina Insurance Solutions of the Piedmont, Inc.
Commercial Insurance Agent · Charlotte, NC
(704) 248-6100
carolinainsurancesolutions.com
NC
6401 Carmel Rd STE 208
North Carolina Business Insurance Agency
Commercial Insurance Agent · Charlotte, NC
(704) 541-8660
ncbusinessinsure.com

What Does a a Commercial Insurance Agent in Charlotte Cost?

The cost of commercial insurance in North Carolina varies widely based on business type size and risk factors. Small businesses might pay 500 to 3000 per year for general liability while workers compensation premiums depend on payroll and classification codes. A typical Charlotte retail store may pay 1000 to 5000 annually for a package policy. This is general information and not insurance advice.

About commercial insurance agents in Charlotte

Commercial insurance agents in Charlotte North Carolina help businesses secure coverage for property liability and workers compensation. North Carolina law requires most employers to carry workers compensation insurance if they have three or more employees. Local agents understand the specific risks for Charlotte industries like logistics healthcare and construction.

Frequently Asked Questions

What types of commercial insurance do Charlotte businesses need?

Common policies include general liability commercial property workers compensation and professional liability. North Carolina requires workers comp for businesses with three or more employees. An agent can assess your specific industry risks and recommend appropriate coverage.

How do I choose a commercial insurance agent in Charlotte?

Look for an agent licensed in North Carolina with experience in your industry. Ask about their carrier network and claims support. You can verify an agents license through the North Carolina Department of Insurance website.

Can a commercial insurance agent help with North Carolina compliance?

Yes agents can advise on state specific requirements like workers compensation coverage and commercial auto insurance minimums. North Carolina has a minimum liability limit of 30000 per person and 60000 per accident for auto policies. They can also help with surety bonds if needed for certain contracts.

Commercial Insurance Agents in Other North Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each commercial insurance agent's credentials and current standing with your state Department of Insurance.