Common questions about insurance in North Carolina and South Carolina, and about how this agency works. If your question isn't here, call (704) 461-3020 — we'd rather answer it directly than have you guess.
What is an independent insurance agency?
An independent agency represents many insurance companies rather than one. OneTrust Risk Management & Insurance works with more than 25 carriers, which means we can match your risk to a carrier that wants it instead of forcing it through a single company's appetite. In commercial insurance especially, that difference decides whether you get a competitive quote at all.
What types of insurance does OneTrust write?
Property and casualty only. On the commercial side our largest 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, medical offices, manufacturing, retail, service businesses, distributors, transportation, warehouse and self storage, and farm. On the personal side, homeowners, auto, landlord and dwelling fire, umbrella, jewelry, motorcycle, RV, boat, and farm.
What states are you licensed in?
North Carolina, South Carolina, Tennessee, Virginia, and Florida. North and South Carolina are our primary markets.
Do you write life, health, or Medicare supplement?
The agency is appointed for those lines but does not solicit them. We focus exclusively on property and casualty insurance and risk management consulting.
What are North Carolina's minimum auto insurance requirements?
As of July 1, 2025, North Carolina requires $50,000 bodily injury liability per person, $100,000 per accident, and $50,000 property damage — up from 30/60/25. Underinsured motorist coverage is now also included on new and renewed policies.
When is workers' compensation required in North Carolina?
North Carolina requires workers' compensation once an employer regularly employs three or more people. South Carolina's threshold is four or more, with an exemption for employers under $3,000 in annual payroll. Regardless of the legal threshold, most general contractors and property managers require a certificate before allowing anyone on site.
When does North Carolina require a general contractor license?
For any single project with a total value of $40,000 or more. That threshold rose from $30,000 effective October 1, 2023. South Carolina is stricter — $10,000 for commercial general or mechanical work, $5,000 for residential building, and $500 for residential specialty trades.
How do I get a quote?
Use the quote form on our contact page or call (704) 461-3020. For commercial accounts, sending current declarations pages and loss runs speeds things up considerably.
How do I request a certificate of insurance?
Use the certificate of insurance page. Send the certificate holder's exact name and address plus any additional insured or waiver of subrogation wording your contract requires. Most certificates are issued the same business day.
How do I change my policy?
Submit a policy change request through our service center. Note that no requested change is bound until a licensed agent has reviewed and confirmed it — if it's time-sensitive, call us.
Will you review my current policy without me switching?
Yes, at no cost. Send your declarations pages and we'll tell you what you have, what's missing, and whether moving is worth it. If your current program is well built we'll say so.
