Property and Casualty Insurance For Your Business and Home
Carolinas Insurance & Investment Group of Rock Hill SC, York County, Chester and Lancaster South Carolina areas since 1990, offering property and casualty insurance on homes, cars, and businesses to protect against most risks to property, that might include, fire, theft and weather damage, just to name a few.
Technically speaking, property insurance protects individuals or businesses physical property against its loss or the loss of its income-producing abilities. Casualty insurance mainly protects a person or business against legal liability for losses caused by injury to other people or damage to the property of others.
Some coverage’s include dwelling coverage, other structure coverage, personal property coverage and personal liability coverage, as well as homeowners, renters, and condominium policies. Are you making physical additions to your home, your business, or your property, or have you added a new car or vehicles to your fleet? Is there technology that needs to be insured, or manufacturing tools and machines, or perhaps you may need coverage to adapt to changes in the law? Whatever it is, let us speak with you about the specifics of your unique situation and find a well thought out solution at the right price.
Carolinas Insurance & Investment Group has been providing property and casualty insurance for over 21 years to companies and individuals in the Rock Hill area. Call today for a full property and casualty insurance check up to make sure you are adequately insured.
- Workers Compensation: CIIG’s experienced team of service professionals will analyze your needs and exposures. We will work with you to set specific priorities and objectives. After a thorough pre-underwriting process, we will pair you with a carrier partner whose worker’s compensation coveragealigns with your business objectives. Throughout our relationship, we continue to evaluate the effectiveness of our programs and make adjustments as needed. CIIG commits to personal service by continually improving your insurance plan.
- General Liability For Business: To protect you from third party claims preventing gaps in coverage is of particular importance. Our dedicated team of professionals will identify gaps and create a general liability plan properly tailored to meet your needs. Our goal is to help you reduce your risk through loss control and transfer risk through insurance. With our analysis, advice, and thorough understanding of risk management programs, CIIG will help you protect your company from third party claims.
- Commercial Auto Insurance: Do you have proper protection for your fleet of company vehicles? The consultative approach of CIIG’s commercial auto insurance experts can anticipate liability associated with auto ownership, auto maintenance or use. Our comprehensive auto coverage policies can be tailored to fit your company’s needs. As your auto insurance needs change, our personalized service assures you CIIG will seek competitive and creative options to match your company’s changing needs.
- D & O (Directors and Officers liability Insurance): Your organization has a committed Board of Directors. Protecting them from potential claims brought against them by stockholders, employees, and clients is a vital concern. CIIG wants to help you properly protect those who provide so much backbone to your business. We will provide you with sound advice on which D & O plans will best protect your valuable Board Members.
- E & O (Errors and Omissions): Is your company properly protected from negligence claims? You work hard building a successful company. Having an E & O policy at the foundation of your insurance portfolio helps to protect your hard work. Mistakes can happen in the best of business. CIIG experts will analyze your insurance portfolio, and then create an E & O policy to meet your needs—one that will compliment your general liability coverage. Protecting against undue risk is our passion.
- Malpractice Insurance: As professionals in the insurance field, CIIG sees how important proper coverage is in preventing financial devastation. Medical professionals, medical institutions and others, such as legal professionals, are at particular risk of facing suits that may result from negligence while performing professional duties. CIIG will present coverage option and work with you to ensure your personal liability and malpractice coverage will adequately protect your personal finances.
- Commercial Umbrella Insurance: At Carolinas Insurance & Investment Group, our team of dedicated service professionals takes a consultative approach. We believe commercial insurance is more than a commodity. Our team will personally analyze your insurance portfolio and recommend an umbrella policy that provides protection beyond your general liability coverage. Guarding against gaps in coverage is the outcome of a properly tailored insurance program. The experts CIIG understand the nuances of risk management programs all will work with you to create a comprehensive plan for your organization.
- Other Insurance Contracts: Carolinas Insurance & Investment Group has been providing creative insurance options for our clients since 1990. Our team of insurance professionals has built a company that is dedicated to personal service. We work closely with our clients in analyzing risks. We then customize policies to meet their specific insurance coverage needs. At CIIG, our commitment goes beyond contract writing. Annual review of our client’s portfolio ensures their coverage keeps up with the changing needs of their business.
- Auto Insurance Policies: When shopping for automobile coverage, price is, understandably, of great importance. At CIIG, we provide competitive pricing and so much more. We will guide you in your selection making sure appropriate limits of liability savings are in place and that your overall plan is based on your individual needs. Creating personal relationships through outstanding service is the foundation of our company. You can rest assured in the event of a claim, we will help you settle your loss to your greatest benefit.
- Homeowners Insurance Policies: We think your home is unique. Therefore, so should your insurance coverage. CIIG represents many reputable insurance carriers offering broad coverage along with financial stability. Through our extensive list of carriers, we are able to provide our clients with creative options and competitive pricing. Our team of experts will work with you to customize a program that best meets your individual needs, budget, and lifestyle.
- Lifestyle Insurance Policies: Carolinas Insurance & Investment Group believes you should have as much time as possible to enjoy your recreational vehicles. CIIG professionals don’t think you should have to spend your free time learning the insurance business. Our highly skilled team will research recreational vehicle coverage plans and provide you with affordable options to meet your unique needs. Enjoy your playtime with greater peace of mind knowing CIIG is protecting you and your grown up toys from undue risk. Let us know if our dedicated team can assist you in providing insurance coverage for your lifestyle. Our recreational vehicle protection includes:
-Boat, Jet Ski and other Water Craft Insurance
-Air Plane Insurance
-Golf Cart and ATV Insurance
- Personal Umbrella Insurance: An umbrella policy goes beyond a basic liability policy in protecting your assets. Protecting you in the event of a catastrophic claim, lawsuit, or judgment is a job professionals at CIIG take to heart. We work closely with our clients analyzing their risk factor and determining how much coverage they need. Factors such as the number of vehicles and drivers in your household, especially teenagers, and, the value of your current and future assets, are all part of the equation. Our experts dedicate themselves to minimizing your undue risk while providing affordable coverage – giving you and your loved ones peace of mind.