The Allen Thomas Group Independent Insurance Agency

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Business Insurance in Matthews, North Carolina

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best Matthews, NC business insurance agents in my area

Protecting Your Business in Matthews, North Carolina with Comprehensive Insurance Solutions

best Matthews, NC business insurance agents in my area

Searching for top-notch Business Insurance in Matthews, North Carolina?

Look no further than The Allen Thomas Group, your trusted Matthews independent insurance agency with over 20 years of experience helping North Carolina businesses protect their assets, employees, and futures.

We understand that every business in Matthews faces unique risks and challenges, which is why we specialize in crafting tailored insurance solutions that provide comprehensive coverage at competitive rates.

So stay with us to explore the essential types of business insurance policies, industry-specific considerations, and how The Allen Thomas Group can help you navigate the complex world of commercial insurance.

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How much does business insurance cost in Matthews, NC?

As commercial insurance agents at The Allen Thomas Group, we find that the typical costs for key business insurance coverages in Matthews, NC are:

General liability insurance averages $42 per month, workers’ compensation is around $50 per month, and professional liability/errors & omissions insurance runs $56 per month on average. 

These costs can vary significantly based on factors like your industry, business size, location, and claims history.

Table of Contents

Understanding the Unique Risks Faced by Industries in Matthews

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Matthews businesses face unique risks.

These risks can lead to significant financial losses if not properly addressed. The right insurance coverage is crucial for protecting your business.

At The Allen Thomas Group, we have a deep understanding of the risk landscape in Matthews

Our experienced business insurance agents work closely with businesses across various industries to identify potential exposures.

From construction and manufacturing to restaurants and technology, we know the ins and outs of each sector.

What if a customer slips and falls at your restaurant? 

Or a cyber attack compromises sensitive client data? 

These scenarios can result in costly legal claims and reputational damage. That’s why it’s essential to have tailored insurance coverage that addresses your specific risks.

top rated local Matthews, North Carolina business insurance broker

commercial general liability insurance for an LLC in Matthews, NC

Matthews's Trusted Source for Business Insurance

commercial general liability insurance for an LLC in Matthews, NC

Choosing the right insurance partner is critical.

You need an agency that not only understands your business but also has the expertise to guide you through the complex world of commercial insurance.

That’s where The Allen Thomas Group comes in.

As an independent agency, we have access to multiple top-rated insurance carriers.

 This allows us to shop around for the best coverage options and rates for our clients. We’re not tied to any one provider, which means our loyalty lies with you, not the insurance companies.

What sets us apart is our commitment to personalized service

We take the time to get to know your business, your goals, and your concerns.

Our agents are more than just salespeople; they’re trusted advisors who are invested in your success.

Business Insurance Solutions in Matthews, North Carolina Customized For You

Yes, It's Really That Easy To Get A Certificate Of Insurance

We know how frustrating and complex the process of finding the right local commercial insurance agents in North Carolina can be.

Let us help fix it for you in 3 easy steps!

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get The Right Coverage For Your Matthews Business Now

It Just Takes A Few Clicks

get a business insurance near me quote now in Matthews, North Carolina

Tailored Business Insurance Coverage for Matthews, NC Companies

get a business insurance near me quote now in Matthews, North Carolina

One-size-fits-all policies rarely provide adequate protection. 

That’s why we offer a wide range of customizable coverage options designed to meet the specific needs of Matthews businesses:

  • General Liability Insurance: Protects against third-party claims of bodily injury, property damage, and advertising injury. This coverage is essential for any business that interacts with the public or clients.
  • Commercial Property Insurance: Safeguards your business’s physical assets, including buildings, equipment, and inventory. Whether you own or lease your space, property insurance is a must-have.
  • Workers’ Compensation Insurance: Mandatory for most North Carolina businesses, workers’ comp covers medical expenses and lost wages for employees injured on the job. It also protects employers from lawsuits related to workplace accidents.
  • Business Interruption Insurance: This covers lost income and operating expenses if your business is forced to close temporarily due to a covered event, such as a fire or natural disaster.
  • Cyber Liability Insurance: As cyber threats become more sophisticated, this coverage is increasingly important for businesses that store sensitive data or rely on technology to operate.

In addition to these core coverages, we offer a variety of specialized policies tailored to specific industries and risks

Our agents will work with you to identify any gaps in your current coverage and recommend solutions to fill those gaps.

Matthews's Leading Industry Insurance Specialists

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Different industries face different challenges when it comes to insurance.

Here are some of the key sectors we serve in Matthews:

Construction and Contracting

Builders in North Carolina know that construction sites can be dangerous places. From injuries to property damage, NC contractors face a host of potential liabilities

We offer coverage for:

  • Tools and equipment
  • Installation floaters
  • Surety bonds
  • Pollution liability

What if a subcontractor causes damage to a client’s property? Or a worker is injured on the job site? 

With the right insurance package, you can protect your business from these costly scenarios.

Manufacturing and Distribution

NC Manufacturing companies have complex insurance needs, from protecting expensive machinery to guarding against supply chain disruptions. We provide:

  • Product liability coverage
  • Equipment breakdown insurance
  • Cargo and transit insurance
  • Recall expense coverage

Imagine a defective product leads to a lawsuit, or a crucial piece of equipment fails, halting production.

These situations can be devastating for manufacturers without proper insurance.

Restaurants and Hospitality

Restaurants and hospitality businesses in Matthews face unique risks, from food contamination to liquor liability.

Our coverage options include:

  • Food spoilage coverage
  • Liquor liability insurance
  • Assault and battery coverage
  • Valet parking insurance

What if a customer gets sick from contaminated food, or an intoxicated patron causes an accident after leaving your establishment?

These scenarios can lead to expensive legal claims without the right insurance protection.

Technology and Professional Services

For technology companies and professional service providers, the biggest risks often involve intangible assets and professional liabilities

We offer:

  • Errors and omissions (E&O) coverage
  • Cyber liability insurance
  • Intellectual property insurance
  • Directors and officers (D&O) coverage

Imagine a client sues you for missing a project deadline, or a hacker steals sensitive customer data from your servers. Without proper insurance, these situations could put your business in serious jeopardy.

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The Allen Thomas Group Difference: Expertise, Service, and Commitment

At The Allen Thomas Group, we pride ourselves on our:

  • Expertise: Our agents have deep knowledge of the industries we serve and stay up-to-date on the latest risk management strategies.
  • Service: We’re committed to providing personalized, responsive service to every client, no matter their size or needs.
  • Commitment: We’re invested in the long-term success of our clients and go above and beyond to help them protect and grow their businesses.

What if you need to file a claim after a covered incident? 

Our agents will be there to guide you through the process and advocate on your behalf with the insurance carrier.

Navigate Business Insurance with Confidence in Matthews

Navigating the business insurance landscape can be daunting, especially for busy entrepreneurs in Matthews. Common misconceptions, such as assuming a basic policy covers everything or that insurance is an unnecessary expense, can leave businesses exposed to significant risks.

The truth is, investing in comprehensive coverage is essential for protecting your business’s assets, reputation, and future. Regular policy reviews and updates are crucial for ensuring your coverage keeps pace with your evolving needs.

What if your business expands into a new market or introduces a new product line? These changes could require adjustments to your insurance program. That’s where the expertise of an independent agency like The Allen Thomas Group comes in handy.

Protecting Your Business Assets and Future in Matthews

At the end of the day, business insurance is about protecting what you’ve worked so hard to build. A single uninsured loss could put your entire operation at risk.

Imagine a fire destroys your restaurant’s kitchen, or a lawsuit from an injured customer forces you to close your doors. These scenarios are not only financially devastating but also emotionally draining for business owners.

With comprehensive insurance coverage from The Allen Thomas Group, you can have peace of mind knowing that your business is protected against the unexpected. 

You can focus on what you do best – serving your customers and growing your business.

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED AM BEST INSURANCE COMPANIES

That allows us to find the best insurance premium rates for your business needs in Matthews, NC

Get Started with The Allen Thomas Group Today To Protect Your Matthews Business

Ready to take the first step towards protecting your business? Here’s what you can expect when you partner with The Allen Thomas Group:

  1. Schedule a personalized consultation: Our agents will take the time to understand your business, your goals, and your concerns.
  2. Receive a comprehensive risk assessment: We’ll identify potential exposures and gaps in your current coverage.
  3. Get a tailored coverage proposal: We’ll provide recommendations for insurance solutions that fit your specific needs and budget.

What if you’re not sure what coverage you need or have questions about the insurance-buying process? Our knowledgeable agents are here to help. We’ll walk you through each step and provide the guidance you need to make informed decisions.

Don’t wait until it’s too late to protect your business. 

Contact The Allen Thomas Group agents M – F from 9 AM – 5 PM EST at (440) 826-3676 or click on the button below get a free business insurance quote from our best Matthews commercial insurance agents.

Zip codes We Serve In Matthews

28104 / 28105 / 28106

People also ask

As a local Matthews business owner, you likely have questions about insurance coverage.

Here are answers to some common inquiries.

Most North Carolina businesses with three or more employees are required to carry workers’ compensation insurance. Other coverages, such as general liability and property insurance, may be required by landlords or clients.

Working with an experienced independent agency like The Allen Thomas Group is the best way to find tailored coverage for your industry.

Our agents have deep knowledge of the risks facing different sectors.

Here are the core industries The Allen Thomas Group serves in North Carolina:

Give our commercial agents a call between 9 AM – 5 PM EST at (440) 826-3676 to discuss the nature of insurance for your industry.

We are always happy to help!

If you experience a covered loss, contact your agent at The Allen Thomas Group as soon as possible.

We’ll guide you through the claims process and advocate on your behalf with the insurance carrier.

It’s a good idea to review your policies annually or whenever you experience a significant change in your business, such as expanding into a new market or adding a new product line.

Our Matthews agents can help you stay on top of your coverage needs.

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