N. Raleigh | (919) 878-7786
S. Raleigh/Garner | (919) 661-1100

Business & Commercial Insurance

Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Business & Commercial Insurance Information

If you are a business owner, you need many different types of insurance to fully protect your business liabilities. The different policies — such as commercial auto insurance, general liability insurance and workers compensation insurance — fall under the general heading of business insurance.

Your business needs unique insurance coverage. When you’re considering how to insure your business, consider which policies are directly beneficial to your business. ACF Insurance can help you get the coverage that best meets your needs.

What Is Business Insurance?

Business insurance policies protect various elements of your business. If the business experiences a damaging loss, insurance provides financial assistance as you rebuild. There are many different types of business policies. These policies can include different types of coverage, such as:

No single business policy will likely cover every risk your business faces. That's why you often need a variety of policies to achieve the most comprehensive protection. With each of these policy options, you get specialty coverage catered to your needs.

If you are unsure what policies you need for your business, contact ACF Insurance. We are happy to help you choose the correct policy or set of policies to insure your establishment.

What Specialized Business Coverage Options Are Out There?

ACF Insurance Services provides insurance coverage for retail and wholesale operations, convenience stores, gas stations, restaurants, churches and much more!

For contractors certificates of insurance are a requirement to provide evidence of insurance before work can begin. We know time is money for our commercial accounts so let us prove to you today that we can save you both time and money!

Our agency also has relationships with a variety of insurance companies who offer low cost business insurance. We have low down payment options to make it easy for you to get started if you are a new business. Let ACF Insurance give you a quote to see if we can save you money on your business insurance today! Some types of business insurance that we provide are as follows: workers compensation, general liability, commercial auto, builders risk, commercial property, indemnity bonds, etc.

Who Can We Help?

Selecting the correct set of policies can often be a time-consuming effort. We encourage all North Carolina businesses to contact us when choosing business insurance. If you are a new operation or a seasoned business veteran, we can build the right policy to best meet your business needs.

If you live in the Raleigh/Durham area, then we want to be your hometown insurance agency. However, our work extends far beyond the capital. We work closely with residents of Fuquay Varina, Knightdale, Zebulon, Garner, Clayton, Cary, Wendell, Holly Springs, Apex, Wake Forest and many more.

We offer policies through many different insurance carriers, including Travelers, Builders Mutual, Liberty Mutual, Lititz Mutual, UTICA, Foremost, Atlantic Casualty and more.

ACF Insurance recognizes that your business is unique. Our company can write business policies for a variety of industries. Our clientele include restaurants, retailers, auto dealerships, construction businesses, churches, and many more.

How Do I Know What Insurance I Need?

ACF Insurance Services has been in the business for over 25 years. We can compare policies with multiple companies to make sure that we get you comprehensive coverage at the lowest rate.

We strive to offer all customers the best possible experience when buying insurance. We want to make the process as easy as possible. Here at ACF Insurance, it is about helping our clients understand the coverage choices they have.

Start by talking to one of our agents. With business insurance, there are many different choices of coverage. Therefore, our agents can help you navigate the selection process. We want to make a challenging process as simple as possible.

What Types Of Insurance Do You Need For A Small Business?

Most small businesses need General Liability and Property Insurance at a minimum. If you have employees, then you'll probably need Workers Compensation Insurance as well. Please refer to the Industrial Commissions website for questions regarding employer/employee relationships and also for determining the need for Workers Compensation.

Should I Obtain My LLC Or INC, Or Just Operate As An Individual?

As there are certain advantages in operating as an LLC or Corporation, the best thing to do would be to talk to a tax attorney. You could also speak back to a small business attorney or CPA for better guidance on setting up your small business.

Where Can I Go For Workers Compensation And General Liability Insurance?

ACF Insurance offers free quotes on both General Liability and Workers Compensation. We can also quote other lines for commercial accounts — such as equipment or commercial vehicles.

How Do I Get A Certificate Of Insurance?

Our office issues certificates of insurance "in-house." So, you only have to turn to one place — ACF Insurance!

Where Can I Find Payment Options For Business Insurance

ACF Insurance offers payment options for just about every type of commercial insurance coverage available. You can sometimes save money by paying in full. But most small businesses need to retain the capital to use for day to day operations.

Get The Process Started

Are you ready to get a quote? ACF Insurance is happy to work with you to choose the best, most affordable policy.

With us, you don’t have to worry about having trouble when updating your policy or paying bills. We can make it affordable and easy. With our convenient payment methods, your insurance policy will stay active, and you can make any changes on your own schedule

We offer a variety of payment choices with our plans. These include bank drafts, online payments, and pay as you go options. We can also get you a low down payment that will make your prices even more affordable.

Also take advantage of our E-signature program. It is designed to help you make insurance changes from your own home. We can email you a link with policy updates, and you just have to type your name into signature boxes and send the E-signed documents back to us.

Contact one of our agents today to learn more about business insurance. You can start a quote online or over the phone. Our Raleigh office phone number is (919) 878-7786. Our South Raleigh/Garner number is (919) 661-1100.


ACF has handled my business insurance for well over 10 years. Matt is very knowledgeable about the insurance industry and is always looking for ways to help me save money. I would definitely recommend ACF to anyone who is looking for insurance. James B.

I've had insurance with ACF since 1994 in my business and auto. Check out their prices and services, and find out yourself how they can serve you! James S.

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