Business Insurance That Protects What You Have Built
Running a business means managing real risk. Horizon Insurance provides commercial coverage for businesses of all sizes across North Carolina, South Carolina, Georgia, Tennessee, and Virginia. As an independent broker, we access wholesale and specialty markets that standard agents cannot reach.
Business Coverage Options
From general liability to specialty coverage, we build a program that fits your business – not a generic policy off the shelf.
Commercial Property
Protect your building, equipment, and inventory. We work with carriers that understand regional market conditions across the Southeast.
General Liability
Every business needs a foundation of general liability coverage. We make sure your policy is written correctly, not just checked off a list.
Workers’ Compensation
Protect your employees and your business from workplace injury claims with the right workers’ comp coverage for your industry.
Commercial Auto
Coverage for vehicles used in your business operations – from work trucks to delivery fleets and everything in between.
Professional Liability
Errors and omissions coverage for service-based businesses where advice, design, or professional services create liability exposure.
Cyber & Specialty
Data breach, cyber liability, and hard-to-place coverage for modern business risks that standard policies do not address.
Commercial Flood
Standard commercial property policies exclude flood. We secure separate NFIP or private flood coverage for your building, contents, and lost income from business interruption – essential for Southeast and coastal operations.
Industries We Specialize In
We have placed coverage for hundreds of businesses across the Southeast. If your industry is on this list, we already know your risk profile.
Restaurants & Hospitality
Liquor liability, food spoilage, and property-specific coverage for NC and SC restaurants, bars, hotels, and vacation rentals.
Contractors & Trades
GL, workers’ comp, commercial auto, and contractor’s equipment – all in one program built for general contractors and tradespeople.
Multifamily & Habitational
From duplexes to large apartment communities, we cover property investors and management companies across the Carolinas.
Breweries & Specialty
Specialty carriers for product liability, equipment breakdown, and alcohol-related coverage for breweries and distilleries.
Professional Services
E&O, professional liability, and business owner policies for consultants, agencies, and service-based businesses.
Wholesale & Hard-to-Place
Access to wholesale and specialty markets for risks that standard carriers will not write – we find coverage where others cannot.
More Options. Better Coverage.
Most business owners buy insurance from whoever is cheapest. Then a claim hits and they discover the gaps. Horizon works differently – we take time to understand your business and your risk before recommending a program. Then we shop it across multiple carriers.
- Access to 50+ carriers and wholesale markets
- Commercial and personal lines under one roof
- Specialists in hard-to-place business risks
- Licensed agents across NC, SC, GA, TN, and VA
Ready to Secure the Best Coverage?
Submit your information and a licensed Horizon agent will review your business exposure and follow up with a personalized commercial insurance quote.
Frequently Asked Questions
At minimum, most NC businesses need general liability insurance and commercial property coverage. Depending on your industry, you may also need workers’ comp, commercial auto, professional liability, or specialty coverage. Horizon reviews your specific operations to recommend the right combination, not a generic package.
General liability insurance for contractors is the baseline requirement for most general contracting businesses in NC. Beyond that, you will likely need workers’ compensation if you have employees, commercial auto if you use vehicles for work, and contractor’s equipment coverage for tools and machinery. Horizon can walk you through what is legally required and what is practically necessary to protect your business.
Yes. If your business sells, serves, or provides alcohol in any form, a standard general liability policy almost certainly does not cover alcohol-related incidents. Liquor liability insurance is a separate coverage that protects your business from claims related to intoxication, over-service, and alcohol-related accidents. Horizon works with hospitality-specific carriers who understand this exposure.
Yes. Horizon specializes in habitational and short-term rental coverage, which is typically excluded from standard homeowners policies. If you are renting on platforms like Airbnb or VRBO, you need specialized coverage.
Pricing factors include annual revenue, seating capacity, hours of operation, prior claims, and liquor liability limits. As an independent broker, we shop hospitality-specific carriers to find the best combination of coverage and cost.
Absolutely. If you are launching and are not sure what you need, we can walk you through the basics and build a program that grows with you.
Multi-family property insurance for apartment buildings and duplexes typically includes building coverage, general liability, and loss of rental income. The right program depends on the size of the building, the number of units, whether you self-manage or use a property management company, and your local market. Horizon works with carriers that specialize in habitational and multifamily risks across the Carolinas.