Business Details
50+ Years
experience
Your Trusted North Carolina Insurance Partner Since 1925
Chalk & Gibbs Insurance has been serving families and businesses in North Carolina since 1925, providing tailored insurance solutions to protect what matters most. As an independent agency, we represent multiple insurance carriers, offering clients choice in price, policy, and service. Our commitment to customer-focused service spans nearly a century, combining deep industry expertise with personalized guidance for personal, business, and Medicare insurance needs.We prioritize comprehensive coverage for home, auto, commercial properties, and employee benefits while staying ahead of evolving risks like flood damage, liability exposures, and specialty assets. Our local knowledge and dedication to transparency ensure clients receive protection aligned with their unique circumstances.
Services
Personal Insurance
Business Insurance
Medicare Plans
Employee Benefits
Insurance by Industry
Flood Coverage
Collector Car Insurance
Umbrella Liability
Secondary Home Insurance
Wine Collection Protection
Details
- Year established: 1925
Highlights and features
- We offer 98 years of experience protecting North Carolina families and businesses.
- Our independent agency provides access to multiple insurance carriers and coverage options.
- We specialize in addressing unique risks like flood damage and collector vehicle protection.
- Our local expertise ensures policies align with North Carolina-specific regulations and needs.
- We combine personalized service with digital tools like interactive risk assessment graphics.
Services
Personal Insurance
We provide comprehensive personal insurance solutions including home, auto, and specialty coverage. Our policies protect against risks like flood damage, liability claims, and valuable possessions loss. With replacement cost coverage and customizable options, we ensure homeowners receive full protection for their property and belongings.
Business Insurance
Our business insurance offerings include commercial property, liability, and auto coverage tailored to specific industries. We serve golf courses, farms, contractors, and churches with policies addressing general liability, business interruption, and specialized risks. Umbrella coverage provides additional protection for commercial operations.
Medicare Plans
We offer Medicare Part D prescription drug plans and Advantage Plans to North Carolina residents. Our solutions include dental, vision, and hearing coverage options, along with final expense insurance to complement standard Medicare benefits through trusted carrier partnerships.
Employee Benefits
Our employee benefits packages include group health, dental, and vision insurance alongside 401(k) retirement plans. We help businesses implement comprehensive benefit programs with support for group dental, vision, and employee assistance plans to attract and retain talent.
Umbrella Liability
We provide umbrella liability coverage that extends beyond standard auto, home, and business policies. This excess protection covers catastrophic events like pool accidents, offering financial security against lawsuits and legal defense costs up to policy limits.
Questions
What types of insurance do you offer?
We provide personal insurance (home, auto), business insurance (commercial property, liability), Medicare plans, employee benefits, and specialized coverage for risks like floods, collector cars, and umbrella liability.
How do you help clients choose insurance policies?
As an independent agency, we analyze your specific needs and offer options from multiple carriers to ensure coverage that matches your risk profile, budget, and protection requirements.
Do you offer flood insurance?
Yes, we provide flood insurance through the National Flood Insurance Program and private carriers to protect homes and businesses from water damage not covered by standard policies.
What areas do you serve?
We serve clients throughout North Carolina from our offices in Morehead City, Beaufort, and Emerald Isle, offering localized expertise for coastal and inland properties.
Can you help with collector vehicle insurance?
Yes, we offer specialized insurance for classic and collector cars through niche providers who understand the unique value and protection needs of vintage vehicles.
What is umbrella liability coverage?
Umbrella liability provides excess protection beyond standard policies, covering catastrophic events like severe accidents with liability limits up to $1 million or more to protect personal and business assets.
