Insurance for Trucking, Trades &
Property Owners

We help trucking companies and contractors secure coverage that supports their operations, meets insurance and contract requirements, and keeps pace as their businesses grow. We also serve homeowners, landlords, and real estate investors with property coverage for the places they live in, rent out, renovate, and invest in.

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Insurance Support for Trucking Fleets & Contractors

Contreras & Co. works with trucking companies that need dependable insurance support to keep their operations moving.
We serve established fleets of varying sizes, helping owners navigate coverage requirements, renewals, fleet changes, and the insurance needs that come with running and growing a transportation business.

We also support contractors and artisan trades with general liability and workers’ compensation solutions that help keep projects moving and contracts compliant.
Our approach is straightforward: Understand your operation, structure coverage that fits your business, and support you as your business evolves. Whether you’re renewing, expanding, or reassessing your insurance, we’re here to make the process clear, efficient, and dependable.

Property Insurance for Homeowners & Investors

Contreras & Co. provides property insurance for homeowners, landlords, and real estate investors throughout North Carolina.
From the home you live in to properties you rent or invest in, we offer coverage options designed for a variety of ownership and occupancy needs. For real estate investors and landlords, coverage is available for rental dwellings, renovation properties, and other eligible residential investment properties, with excess liability options available for additional protection.

Homeowners can also access coverage for primary residences, mobile homes, and other eligible dwellings. Whether you own one home or are building a portfolio of properties, our growing property markets give us the flexibility to serve both personal and investment-related insurance needs.

Coverage for Businesses & Property Owners

Auto Liability & Physical Damage

Coverage structured for fleet operations, including primary and excess auto liability and physical damage for owned power units, with support for vehicles used in contracting and service-based business operations when applicable.

Motor
Truck Cargo

Cargo coverage aligned with broker and shipper requirements, tailored to your freight type and operating radius, with guidance available for businesses transporting tools, materials, or equipment as part of contracting work.

General
Liability

Insurance that supports contractors, business operations, and eligible rental or investment properties; including coverage needed for contracts, jobsites, & property ownership.

Umbrella & Excess Liability

Additional limits designed to support growth, contracts, and risk tolerance for established trucking fleets and eligible businesses or property owners who need protection beyond the limits of their underlying coverage.

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How We Work

Insurance is personal to us, even when it’s for business. Contreras & Co. is building an agency rooted in relationships, community, and being genuinely accessible to the people we serve. We want to know the business owners and property owners behind the policies, not simply process a quote and move on.From a business standpoint, we take that relationship seriously. Our clients can expect clear communication, thoughtful coverage guidance, responsive service, and help navigating the questions, requirements, and changes that come with insurance. Sometimes that means reviewing a contract or coverage requirement. Other times, it simply means being available when you have a question and want to talk to a real person who knows your account.As we grow throughout North Carolina, we want to earn business the same way we hope to keep it: by showing up, doing what we say we’ll do, communicating clearly, and building relationships that last beyond the transaction.

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Step 1: Understand Your Needs

We start by learning what you need to protect. That may mean understanding your trucking operation, the work your business performs, contract requirements, or how a property is owned and used. The details help us determine what coverage makes sense and where we can best help.

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Step 2: Structure the Right Coverage

Once we understand your needs, we identify appropriate coverage options and requirements, then work to structure insurance around the risks that matter to you. We’ll explain what we’re recommending, answer your questions, and make sure you understand what you’re purchasing.

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Step 3: Place Coverage &
Document It

Once you’re ready to move forward, we work with our carrier and wholesale partners to place your coverage and make sure the necessary policy documents are in order. After the policy is issued, we remain available for questions, coverage changes, certificates, renewals, and the things that come up along the way.

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