OneTrust Risk Management & Insurance is an independent property and casualty insurance agency in Gastonia, North Carolina. We write commercial and personal lines throughout North Carolina and South Carolina, and we are also licensed in Tennessee, Virginia, and Florida. The classes we write most are listed in full below.
Where we are licensed
Licensed in five states. We write this coverage across North and South Carolina — our primary markets — as well as Tennessee, Virginia, and Florida.
North CarolinaSouth CarolinaTennesseeVirginiaFlorida
Classes of business we write
Highlighted classes have a detailed page. Everything else on this list we write regularly — call or send a submission and we will quote it the same way.
- General auto repair
- Garage
- Auto body & collision repair
- Oil change
- Auto glass replacement
- Tire dealers
- Sound & communication equipment repair and install
Hospitality & Restaurants
- Full service restaurants
- Bars
- Fine dining
- Pizza
- Delis
- Caterers
- Food trucks
- Bakeries
- Fast food
- Coffee shops
- Ice cream shops
- Hotels & motels
- Bed and breakfast
- Golf courses
Medical Providers & Offices
- Doctors
- Chiropractors
- Eye care & optometry
- Dental
- Orthodontists
- Hearing
- Speech
- Podiatrists
- General office
Manufacturing
- Metal
- Plastic
- Sign
- Bolts & nuts
- Fasteners
- Precision metal
Service Businesses
- Churches
- Barbers
- Beauticians
- Hair salons
- Consultants
- Funeral homes
- Surveyors
- Accountants & CPAs
- Real estate
- Pet grooming
Distributors
- Food
- Flooring
- Hardware
- Auto parts
- Electrical
- Janitorial
- Pool
Transportation
- Local trucking
- Dump truck
- Delivery
- Medical transport
- School bus
- Church bus
- Taxi
- Bread routes
Farm
- Farm — personal & commercial
How to submit a risk
For commercial submissions, the fastest path is to send current declarations pages, five years of loss runs where available, and a short description of operations. For contractors, add payroll by class code and subcontracted cost. For property, add building values, roof age, and dates of any updates to electrical, plumbing, and HVAC.
A complete submission gets quoted. An incomplete one gets set aside — that is true at every carrier, and it is the single biggest thing within your control when shopping commercial insurance.
What we do not write
- Personal lines outside the states listed above.
Frequently asked questions
What classes of business does OneTrust Insurance write?
OneTrust Risk Management & Insurance is a property and casualty agency in Gastonia, North Carolina. Our largest commercial classes are contractors, lessor's risk and landlord property, homeowners and condominium associations, auto service and repair, and convenience stores and gas stations. We also write restaurants and hospitality, medical offices, manufacturing, retail, service businesses, distributors, transportation, warehouse and self storage, and farm. On the personal side we write homeowners, auto, landlord and dwelling fire, umbrella, jewelry and inland marine, motorcycle, RV, boat, and farm.
What states are you licensed in?
North Carolina, South Carolina, Tennessee, Virginia, and Florida, with North and South Carolina as our primary markets.
Do you write life, health, or Medicare supplement insurance?
The agency is appointed for those lines but does not solicit them. We focus exclusively on property and casualty insurance and risk management consulting.
Do you write classes not on this list?
Often, yes. This list reflects what we write most, not the limit of our markets. If your class isn't listed, call (704) 461-3020 — if we don't have an appetite for it we will tell you quickly rather than waste your time.
What do you need to quote a commercial account?
Current declarations pages, loss runs for the last five years where available, and a description of operations. For contractors, payroll by class code and subcontracted cost. For property, building values, roof age, and dates of major updates.
