WHY CHOOSE COLD MOUNTAIN BUSINESS INSURANCE?
INDUSTRY EXPERTISE
The complexities of your business affect everyone from owners and managers to employees and customers.
Our team of insurance professionals has over 25 years of combined experience with business insurance. We have the knowledge and expertise to provide you with the best insurance solutions for your unique needs.
CUSTOMIZED SOLUTIONS
We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options. You won't pay for coverage you don't need!
GET INSTANT COVERAGE NOW!
Accountant, Carpenter, Catering, Daycare, Dance Instructor, DJ, E-commerce, Electrician, Engineer, General Contractor, Handyman, House Cleaning and Maid Service, Insurance Agent, Landscaping, Personal Trainer, Pressure Washing, Real Estate Agent, Restaurant, Retail Store, Roofing & More!
General Liability, Professional Liability, Worker's Compensation, Commercial Umbrella, Employee and Individual Health Insurance
Do you need short-term business insurance for a specific period of time?
Thimble Short-Term Business Insurance provides flexible, on-demand coverage tailored to small businesses, freelancers, and contractors. Designed for short-term projects or temporary needs, Thimble offers policies by the hour, day, or month, making it a cost-effective solution. With a simple online process, businesses can quickly secure general liability, professional liability, or business equipment protection, ensuring peace of mind while focusing on their work.
WHAT IS GENERAL LIABILITY INSURANCE COVERAGE?
GENERAL LIABILITY INSURANCE IS ALSO KNOWN AS BUSINESS LIABILITY OR LAWSUIT PROTECTION INSURANCE.
A general liability insurance policy protects businesses from claims that result from normal business operations. Get a business liability insurance policy for protection from bodily injuries, medical payments, advertising injuries, and more.
Cold Mountain Business Insurance can help you get the coverage you need with a general liability insurance quote.
WHAT DOES A BUSINESS OWNERS POLICY COVER?
THIS 2-IN-1 POLICY INCLUDES GENERAL LIABILITY PLUS PROTECTION FOR YOUR PROPERTY.
A Business Owners Policy offer protection for much more than liability. It can cover:
- Business location, merchandise, store contents, and equipment
- Business interruption expenses and loss of income
- Cases where someone is hurt on your premises
Example: A fire damages your store. A BOP could cover your lost merchandise, repairs to your store and help pay your employees' wages while business is interrupted.
Am I properly covered?
For most small businesses, general liability insurance is a necessity. Beyond that, it depends on your unique situation. Common types of business insurance include workers' compensation, commercial auto, and/or professional liability insurance as well.
WHAT DOES WORKERS COMPENSATION COVER?
WORKERS COMPENSATION IS A FORM OF NO-FAULT INSURANCE PROVIDED BY THE EMPLOYER FOR THE EMPLOYEE
The employee gives up certain rights to sue in exchange for protection from injuries incurred on the job.
Insurance rates are developed by taking all losses from similar employers and aggregating them. There are approximately 600 classifications of employers in North Carolina and the classification your company falls under will effect the rates your business is eligible for.
We look at such issues as employee selection and training, first aid, medical evaluation, safety promotion, housekeeping and maintenance, material handling and protective clothing and equipment.
If your business employs three or more employees you are required to carry workers compensation insurance in North Carolina.
WORKERS’ COMP GHOST POLICY
WHAT IS IT?
A workers compensation ghost policy can help self-employed business owners land clients and comply with state laws. Here’s everything you need to know about getting a ghost policy for workers’ comp.
WHY IS IT NEEDED?
A ghost policy is a minimum premium workers’ comp policy for a one-person business. However, the company owner is exempt from the policy, so it doesn’t actually cover anyone. As many individual contractors and solo business owners are normally exempt from workers' comp requirements, this type of policy is designed to help these types of business owners provide a certificate of insurance (COI) when one is required without having to pay for a full workers’ compensation policy.
WHAT DOES COMMERCIAL AUTO COVER?
FIND THE RIGHT COMMERCIAL AUTO INSURANCE FOR YOUR BUSINESS.
Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business, including cars, trucks, and vans. Commercial auto insurance covers vehicle damage and driver injuries.
Get your free online commercial auto insurance quote from Cold Mountain Business Insurance today if you use your vehicle(s) for business purposes. With over 50 years of combined experience, we are dedicated to offering specialized coverage that suits your business at an affordable price.
No matter the size of your business, we'll customize a policy specifically for you.
