Manufacturing

Manufacturing drives the state economy, but each industry needs its own protection plan. 

For our North Carolina manufacturing and industrial clients, we focus on high-value equipment protection that keeps production lines running. 

Commercial property insurance in North Carolina shields your raw materials and finished goods, while production line interruption insurance maintains your revenue if equipment issues halt operations.

Retail And Restaurant

The retail and restaurant sector forms the backbone of NC communities.

Our retail coverage protects more than inventory – it safeguards your entire operation.

From food spoilage protection for restaurants to coverage for customers’ property left in your care, we think of the details so you can focus on serving your customers.

Professional Services

Professional service providers need specialized protection for their unique assets.

Your office space houses expensive technology and irreplaceable documents.

Our policies protect every computer, server, and piece of specialized equipment that keeps your business running. 

Document restoration coverage preserves your critical records, while professional equipment protection secures the tools of your trade.

A law firm in the Piedmont Triad needs different protection than a medical office in Charlotte Metropolitan Area, and we tailor commercial property insurance policies to match.

Construction and contracting businesses face shifting risks as job sites change. Our coverage moves with your equipment and materials from site to site across North Carolina.

Tools and machinery coverage protects the equipment you rely on daily. Materials protection keeps your supplies safe at the job site and in transit.

What Sets Our Coverage Apart

The Allen Thomas Group can help ensure you are covered in case of damage from insured losses.

We bring deep knowledge of North Carolina Department of Insurance regulations and local business needs.

Besides, suggesting the best coverage, we review your coverage yearly to match your growth.

Your dedicated insurance agent learns your operation inside and out, assessing risks and exposures facing you and finding if there is any need to add extra coverage.

When you need us, we answer our phones – no call centers, no runaround.

Understanding Your Premium Factors

Your premium reflects your business’s unique risk profile.

Building construction type impacts your rates – modern fire-resistant materials can lower costs.

Location matters too – we factor in your property’s distance from fire stations and flood zones.

Security systems, sprinklers, and safety protocols can all reduce your premium. We’ll walk you through every factor affecting your rates. 

Commercial property insurance may not cover flood damage, so it’s crucial to consider purchasing a separate flood insurance policy to protect your business from potential losses.

Business Interruption Insurance

A manmade or natural disaster can damage or destroy your property.

But physical damage tells only part of the story.

Lost income during repairs can cripple even strong businesses. The right insurance coverage helps maintain your income during rebuilding.

Business income interruption insurance covers ongoing expenses like payroll and utilities.

If you need to move operations temporarily, we handle those costs too. The right coverage includes supply chain interruption protection if vendors can’t deliver critical materials.

Value Options That Match Your Needs

We offer both replacement cost and actual cash value coverage.

Replacement cost rebuilds or replaces damaged property with new items of similar quality.

Actual cash value factors in depreciation but carries lower premiums.

Our North Carolina commercial insurance agents help you weigh these options against your budget and risk tolerance. We can structure payment plans that match your cash flow.

Why Local Expertise Matters

National chains can’t match our knowledge.

We know which coastal properties need wind coverage and which mountain businesses face winter weather risks. 

Our team tracks local building code changes with our carriers that affect your needs.