Insurance is necessary.  You need it to be there for you when accidents occur.

We work with each customer to determine the appropriate coverage limits and deductible options and we help you select affordable financing options.

We carry all types of insurance -

• Auto Liability
• General Liability
• Garage Keepers
• Bobtail Insurance
• Collision Insurance
• Garage Liability
• Property Insurance
• Workers Compensation

We also offer:

• Comprehensive Insurance for Your Business
• Liability and Cargo Insurance for Your Truck

At Commercial & Farmers we offer:

Auto Insurance

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or the theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries and more
• C & F offers Multi-policy discounts
• Rental car coverage
• And easy payment plans

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the dwelling itself and the possessions you own and keep there.

• Homeowners insurance covers damage to your property: Your liability or legal responsibility for any injuries and/or property damage you or members of your family cause to other people.
• Homeowners insurance includes damage caused by household pets
• Damage caused by most natural disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Commercial and Farmers also offers:

• Renters Insurance
• Condominium Insurance

Commercial Insurance

As a business owner, you need the same kinds of insurance coverages for the vehicle you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical and coverage for uninsured motorists. If a vehicle is owned by the business, the name of the business must appear on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Business General Liability

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.
General Liability Protection usually includes coverage for

• Bodily Injury
• Property Damage coverage for the physical damage to property of others or the loss of use of that property
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy’s limit) if an injury ever resulted from something your company made or service your company provided
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
• Contractual Liability extends to any liability you may assume by entering into a variety of contracts
• Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Workers' Compensation

Workers' compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers' Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers' Compensation Insurance. Workers' Compensation Insurance is not health insurance. Workers' Compensation is designed specifically for injuries sustained on the job. Workers' compensation insurance must be bought as a separate policy.

Truck Insurance

Whether you drive tractor trailers, box trucks, flatbeds, or anything in between, if you depend on your truck to drive your business, Commercial and Farmers can help you protect your livelihood.
As one of the largest truck insurance providers in North Carolina, we offer specialized truck insurance coverage designed for professional truck drivers like you. We offer truck insurance for most types of trucks, including:

• Tractors
• Semi Trucks
• Front Loaders
• Trailers
• Flatbed Trucks
• Tank Trucks
• Refrigerated Trailers
• Auto Haulers
• Pickup and Box Trucks
• Dry Vans
• Garbage Trucks
• Dump Trucks

Comprehensive Insurance for Your Trucking Business

Liability and Cargo Insurance for Your Truck

Commercial and Farmers also offers you:

• Personal assistance with certificates of insurance daily
• Online 24/7 ability to obtain certificates of insurance
• Customized coverage to meet your needs
• Easy payment plans

Brad and Holly Cooper are the second generation owners of Commercial and Farmers Insurance – a full service insurance firm offering property and casualty insurance - specializing in insurance for truckers and trucking companies.

Commercial and Farmers opened its doors in 1982 in Selma, NC just blocks from I-95, the interstate highway stretching from Maine to Florida.  William Honaker opened a full service insurance agency to service the needs of the growing Selma area community. Two years after he opened his agency, Carolina Pottery and Outlets opened on the I-95 corridor bringing in tremendous growth and development to the area.  Businesses such as Grifolds Biotherapeutics, Sysco Food Services and Caterpillar, employ about 30,000 people nearby.

C & F has been there to meet the needs of this expanding community.  C & F has helped hundreds of customers and gained hundreds of friends in the Smithfield Selma area as well as across North Carolina over the years.

Today, Holly focuses on personal insurance while Brad’s focus is on commercial business linesand truckers insurance. Taking courses tailored to addressing the specific needs of truckers, Brad has become an expert in finding the highest quality insurance with the best coverage at the lowest price for truckers.  Today, Commercial and Farmers is one of the largest producers of trucking insurance in North Carolina.

Continuing the tradition of excellence William began; Brad, Holly and their team are dedicated to giving great service and personal attention to each of their customers.

Address

1203 S Pollock St

Selma, NC 27576

sales@commercialandfarmers.com

Phone | (919) 965-6622

Fax | (919) 965-0176