Commercial Lines

You have a unique business, and we specialize in the type of insurance needed to protect your company. Let us assist you in making the right choices.

Serving the Commercial Insurance needs of the Forest Products Industry in North Carolina, South Carolina, Tennessee, Georgia and Virginia.

FMIC INSURANCE AGENCY works through Forestry Mutual Insurance Company, and a variety of other leading insurance carriers specializing in the forest products industry to provide quality coverage, competitive rates and excellent customer service for the following lines of coverage:

Commercial General Liability

These risks may include bodily injury or property damage caused by direct or indirect actions of the insured, and considered third-party coverage. In the logging industry make sure the logging endorsement is included which covers fire & overcut.

Workers Compensation

Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

Commercial Business Auto

Commercial Auto Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. The policy is typically written on a combined single limit (CSL) of 1 million. Physical damage can be written on actual cash value (ACV) or on a stated amount basis.

Inland Marine

Inland marine indemnifies loss to movable or specialized types of property to a limit for loss of fire, theft or vandalism.

Commercial Umbrella

Commercial Umbrella refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. It is the policy limit that is above and beyond the stated policy limit on any underlying coverage to a specified policy limit.

Commercial Property

Commercial Property insurance protects commercial property from such perils as fire, theft and natural disaster.

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