Business Insurance

in Outer Banks, NC

PROTECTING LOCAL COASTAL BUSINESSES

Insurance Solutions for Outer Banks Contractors, Shops & Services

Running a business in the Outer Banks means navigating everything from tourist seasons to hurricane season. Whether you own a retail shop in Nags Head, manage a construction crew in Kill Devil Hills, or operate a service-based business in Manteo, your insurance needs to reflect the unique demands of life and work on the coast. At Midgett Insurance Agency, we create tailored business insurance plans for companies across Kitty Hawk, Hatteras, Currituck County, and beyond—helping you protect your property, team, and future.

Protect Your Outer Banks Business with Local Expertise

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Commercial Property Insurance

Custom hurricane, wind, and hail coverage for Outer Banks businesses.

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General Liability Coverage

Essential for contractors, retail shops, and service businesses.

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Commercial Auto Insurance

Covers vehicles used for job sites, deliveries, and local routes.

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Workers’ Compensation Insurance

Provides wage and medical protection for your employees.

Your Questions Answered

Understanding Business Insurance in the Outer Banks

  • What types of insurance do Outer Banks businesses need?

    Most local businesses need general liability, property, and workers’ comp. We tailor coverage based on what you do and where you’re located.

  • Does property insurance include hurricane and wind coverage?

    Not always. We specialize in building commercial property policies that include wind and hail protection—a must in the Outer Banks.

  • What if my business closes after a hurricane?

    We offer business interruption coverage that can help you recover lost income after a covered event, like a hurricane.

  • What insurance do contractors in the OBX typically carry?

    General liability, tools/equipment coverage, commercial auto, and workers’ comp are common—and we help you choose exactly what fits.




  • Why choose Midgett Insurance Agency?

    With over 50 years of local experience, we understand the unique risks coastal businesses face—and we build coverage that actually works when you need it most.

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