Independent · Veteran-Owned · Jacksonville, NC

Protect your business
with the right coverage.

General liability, workers' comp, property, and cyber — compared across carriers by a local independent agency. Bundled packages often cost less than piecing policies together. Same-day certificates available.

No obligation — compare options from multiple A-rated carriers
Military discounts & Camp Lejeune expertise
Local office, real people — Se Habla Español

★★★★★ 5.0 · 148 reviews on Google Veteran-owned

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We'll reach out the same business day (Mon–Fri) — usually much sooner — with your options.

🔒 Your info stays with our local office — never sold.

Insurance coverage is not bound or altered until confirmed by an authorized representative of Kolstad Insurance Services. By submitting, you agree we may contact you by phone, text, or email about your request.

Why North Carolina chooses Kolstad.

We work for YOU

Not an insurance company. We compare multiple carriers to find the right coverage at competitive rates.

NC compliance experts

Workers' comp requirements, contract insurance minimums, certificates — we keep you compliant and bid-ready.

Same-day certificates

Need a COI for a contract or lease? We turn certificates around fast, often same day.

Coverage for contractors, restaurants, shops & pros.

General liability: The foundation — required by most contracts and leases. Third-party claims and legal defense.
Workers' compensation: Mandatory in NC for employees. Protects your team and your business.
Commercial property: Buildings, equipment, inventory, and business interruption.
Professional liability (E&O): Essential for service businesses against claims of mistakes or negligence.
Cyber liability: Data breaches, cyber attacks, and privacy violations.
Commercial auto: Company vehicles and fleets with the higher limits business use requires.

Quick answers.

What does my business actually need?

It depends on your contracts, your lease, and whether you have employees. Tell us what you do and we'll tell you what matters — in plain English, no upsell.

How fast can I get a certificate of insurance?

Often the same day. If you're bidding a job and need a COI, call us at 910-378-1378 and we'll move.

Protect your businesswith the right coverage.