Commercial, or business insurance typically covers businesses both small and large

The type of business you have will largely determine the kind of commercial insurance you need. Many things are involved like risk, liability, casualty, company history, number of employees, type of industry, and other factors. For example, if you are a cellular tower paint company your liability is going to be much higher than an icecream shop.

J. Carter and Associates represent over 90 commercial insurance carriers and we can provide diverse and multiple options for your coverage. There is no “cookie-cutter” approach to commercial insurance. You need to make sure you have the right coverage for your type of business and we specialize in finding the exact “fit” for our clients. Your particular business may need a business owner’s policy to combine commercial property insurance, general liability, crime insurance and other coverages under one umbrella. You can also consider coverage based on your type of industry. Worker’s compensation, cybersecurity coverage and other coverages may fall under this umbrella.

Our trained professionals will run an analysis of your current coverage, premiums and what they recommend. Our goal is to always provide our customers with options.

Other Services

We work with our clients to seek solutions aimed at their specific needs instead of a “one size fits all” approach.

Medicare & Social Security

The process of applying and enrolling in Medicare and Social Security Retirement

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Individual Major Medical

With the ever changing complexities of the Affordable Care Act (ACA), choosing

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Commercial Insurance

The process of applying and enrolling in Medicare and Social Security Retirement

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Life Insurance

Life insurance can not only help a family with final expenses, but

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Dental & Vision Insurance

100% preventative care coverage that includes two dental exams and cleanings per

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Long Term Care

We can help you plan for the future in ways that provide

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          T. Phillips

          I cancelled all of my insurance coverage with other agencies after Joseph was able to secure better coverage (automobile, homeowners, etc.) for me at lower rates. I will recommend Joseph to other customers and continue to use him in the future. If you haven’t had the opportunity to discuss coverage options with Doris in Joseph’s office, or Joseph himself, give them a call today. You will be glad you did.

          J. James

          If you are searching for the best value in insurance then give Joseph a call. His knowledge, professionalism and genuine interest in finding his customers the best value for their dollar should serve as a model for all the other insurance brokers to follow!!!

          Rosemary W.

          Joseph is awesome! He did a great job in saving me a substantial amount of money for my secondary insurance! He made me comfortable in switching over to his company. He's professional, warm, friendly and caring. I know Joseph was on my side in making a big decision an easy and wise choice for me. Thanks, Joseph!


          Help you plan, prepare and protect
          what matters most.

          Great question, but no, you don’t have to wait until open enrollment unless you have a Medicare Advantage plan.

          Yes, all companies that are approved in NC & SC to provide supplemental insurance have the same standards for coverage.

          No, you are grandfathered in if you have the F plan, If you turn 65 in 2019 and after you aren’t offered the F plan so no worries.