Insurance for North Carolina Small Businesses

Customizable online insurance for Tar Heel State small business owners

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Rated 5 stars

As one of the 1 million small businesses in the Tar Heel State, your business helps make up a large part of North Carolina's local economy and thriving community. The insurance that protects your small business is just as crucial. Foxquilt's mission is making sure small business owners, like you, have the protection they deserve in an easy, fast, and digital process.

What makes Foxquilt different?

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Tailored To Your Business

We offer exclusive policies customized to fit your business needs and goals as a business owner.

Create Your Policy In Just A Few Taps

When technology and human expertise combine, you get flexible and helpful insurance options - whenever, wherever!

Only Pay For What You Need

Our quotes let you save up to 35% on your premiums and trim down your policy to only the coverage details that will benefit your business.

Rated 5 stars by business owners

See why other business owners, just like you, love Foxquilt's smarter coverage, 5-star service and insurance built for them.

Purchasing my small business insurance policy through Foxquilt was a BREEZE! My documents were sent to my email within minutes of my purchase. Thank you for making insurance easy for me!read more


Super impressed. Very user friendly site/application. Had my insurance policy within an hour! Super happy with the price, policy, coverage and overall serviceread more


Best customer service ever! Fair prices. Easy to understand and easy to access and navigate. Hands down, LOVE Foxquilt!read more


Smarter Insurance for Small Businesses in North Carolina

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What Insurance Coverages Should North Carolina Small Businesses Have?

The most common coverage that small businesses in Pennsylvania consider is Commercial General Liability (also known as CGL). That's because it provides coverage for some of the most common risks that nearly every business may encounter: Property damage and third-party injury.

As a small business in North Carolina, you'll more than likely need Commercial General Liability (or CGL insurance). This is the most common business insurance as it protects your business during the most common risks - property damage and third-party injury.

It's not required by North Carolina state law to carry this coverage as a small business but as your business grows, you'll likely encounter someone requiring proof of insurance - whether that be a landlord, an event, an online marketplace and so on.

Depending on your business, you may also want to consider Commercial Property, Professional Liability (E&O), Cyber Insurance, Commercial Auto, and Mobile Equipment.

One coverage, though, that you will likely be required to have by North Carolina law is Workers' Compensation (Workers' Comp or WC). Most businesses with employees in North Carolina have to carry this coverage; it helps provide financial support for medical fees or lost wages if someone is injured on the job. You can check out North Carolina's Workers' Compensation requirements with our state checker here.

Commercial General Liability

Commercial Property Insurance

Workers’ Compensation

How Foxquilt Insurance is Built for North Carolina Small Business Owners

Foxquilt gives back control to business owners; no matter where you're at in your journey, seasoned pro or first-timer.

At Foxquilt, we believe insurance shouldn't have gatekeepers - whether that's confusing lingo, business experience requirements, or long wait times. That's why our online platform is built to let you own your insurance journey by allowing you to answer some simple questions and customize your coverage. No matter if you're a seasoned business owner or just starting out, you can use Foxquilt to quote, purchase, and receive your policy documents all online.

We get that cash flow is often another boundary for protecting your business. Foxquilt lets you choose a flexible payment plan and pay with credit card at no extra cost.

If you ever still need an extra ear to bounce a question off of, you can hit the "Need Help" button and one of our experts will lend a hand.

Commercial General Liability Insurance Claim Examples

Client Injuries

Property Damage

Workplace Injury

Client slips and breaks their hip

One of your handmade soaps causes a severe allergic reaction for a customer

Frequently Asked Questions

How Long Does It Take to Insure a Business in North Carolina?

Do you Need Business Experience to Get Insurance in North Carolina?

Where Can You Get North Carolina Business Insurance?

How Do You Become an North Carolina Foxquilt Partner?

Let's Get You Started!

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