Our Services
Home Insurance
At our insurance agency, we take a personalized approach to understanding your unique needs and priorities. Whether you're seeking minimal coverage or comprehensive protection with additional features, we'll thoroughly explore your options and recommend tailored policies that align with your lifestyle and budget. Plus, we'll help you maximize your savings by exploring multiple-policy discounts. Let us guide you in making informed decisions to secure your future.
Homeowners Insurance
Is your current homeowner's insurance policy only covering your home's current market value? You may be at risk of inadequate coverage in the event of a total loss. At Regal Risk, we offer homeowners insurance that covers the full replacement cost, ensuring you can rebuild your home to its original state. Additionally, we'll help you understand why higher coverage limits with higher deductibles can be a smart choice in today's market. Our comprehensive homeowners insurance options at Regal Risk include:
- Guaranteed Replacement Cost Coverage
- Higher Coverage Limits with Higher Deductibles
- Comprehensive Risk Assessment
- Personalized Policy Recommendations
Don't risk inadequate coverage. Contact Regal Risk today to secure your home's future.
Life Insurance
Selecting the right life insurance policy for your family's needs can be overwhelming. Let us guide you in making an informed decision. We'll help you understand the two main categories: permanent life insurance, which offers lifetime coverage, and term life insurance, a more affordable option. Our experts will ask the right questions about your dependents and financial situation to determine which policy aligns with your goals. We offer a range of options, including:
- Whole Life
- Universal Life
- Joint Life/Survivorship
- Adjustable/Variable Life
- Term Life
Let us help you navigate the process and find the perfect policy for your loved ones' security and your peace of mind.
Umbrella Insurance
Enhance your protection with umbrella insurance, a vital safeguard against financial devastation in the event of an accident or injury involving your home, vehicle, or watercraft. This comprehensive coverage extends beyond the limits of your existing policies, providing an added layer of security for you and your household members. By purchasing umbrella insurance, you can enjoy extended coverage for:
- Homeowners' policies
- Auto policies
- Watercraft policies
Don't risk financial ruin. Invest in umbrella insurance for unparalleled peace of mind and protection against the unexpected.
Long-Term Care and Disability Insurance
Planning for the future can be challenging, especially when considering potential long-term care needs. However, proactively addressing these possibilities demonstrates wisdom and foresight. Without adequate coverage, the financial burden of care can quickly deplete your savings, leaving nothing for your loved ones. At Regal Risk, we offer comprehensive long-term care and disability insurance solutions to help cover the costs of:
- At-home care
- Assisted living facilities
- Nursing home facilities
- Adult day-care facilities
Our expert team will guide you in selecting the right policies to ensure your financial security and peace of mind, safeguarding your legacy for generations to come.
Business
Business General Liability Insurance
Experience unparalleled expertise in commercial liability protection with Biltmore's specialized team. Discover how our customizable policies can strike the perfect balance between cost and risk, providing your business with comprehensive coverage. Our liability policies not only cover legal defense costs but also claim or contract dispute settlements, ensuring your peace of mind. Let us guide you through tailored solutions for:
- Business General Liability (GL)
- Umbrella/Extended Liability
- Professional Liability
- Employer Liability
Trust Regal Risk's specialists to safeguard your business's future with expertly crafted liability protection.
Commercial Property Insurance
Safeguard your business's physical assets against unforeseen events such as fire, theft, vandalism, natural disasters, and accidental damage with comprehensive property insurance. Small businesses can benefit from a streamlined solution by opting for a Business Owners Policy (BOP), which combines property and liability coverage. Our property insurance protects:
- Commercial buildings and structures
- Equipment, furniture, and fixtures
- Computer systems and IT assets
- Exterior signs, fencing, and landscaping
- Important documents and records
- Product inventory and stock
- Property belonging to others in your care, custody, or control
Don't risk financial devastation. Secure your business's physical assets with tailored property insurance solutions.
Workers Compensation Insurance
Workers' compensation insurance is a crucial requirement for businesses with three or more employees, with penalties applicable for non-compliance. Our experts at Regal Risk are dedicated to guiding you through the specifics of workers' compensation insurance as they relate to your unique business needs. In the event of a work-related injury, our policies provide comprehensive coverage for your employees, including:
- Medical diagnostics and treatment
- Disability payments
- Vocational rehabilitation
- Death benefits paid to dependents
Ensure compliance and protect your employees with tailored workers' compensation solutions from Regal Risk.
Cyber-Risk Insurance
Despite advancements in online security, businesses remain vulnerable to sophisticated scams and cybercrimes, which can result in devastating financial losses. Proactive preparation is essential in today's digital landscape. Our cyber-risk insurance policy provides comprehensive protection in the event of a data breach or cyberattack, covering:
- Financial losses and damages
- Legal and investigative services
- Crisis communications and reputation management
- IT remediation and system restoration
- Claims and lawsuits from affected parties following a data breach
Don't risk your business's financial well-being. Stay ahead of potential threats with our expert cyber risk insurance solutions.
Entertainment and Tourist Industry Insurance
As the southeast continues to thrive as a hub for TV and movie production, Regal Risk remains at the forefront of specialized insurance solutions for this dynamic industry. Our expertise extends beyond entertainment to encompass a broad range of public venues and attractions, providing comprehensive coverage and cost-effective risk management consulting services. Our specialized insurance solutions cover:
- TV and movie productions
- Concert and event venues
- Indoor and outdoor tourist attractions
- Public wineries and breweries
Trust Regal Risk to safeguard your business with tailored insurance solutions and expert risk management guidance, ensuring your success in the entertainment and hospitality industries.
Condo Association Insurance
Leveraging our years of expertise, our seasoned professionals thoroughly understand the intricacies of condominium association insurance. We recognize the diverse needs of stakeholders and stay abreast of the latest industry trends. Whether your property is self-managed or professionally managed, we provide expert guidance and tailored solutions to ensure comprehensive coverage at the most competitive rates. Our condo association insurance packages cover:
- Liability in common areas
- Structures and grounds
- Dwellings and possessions
- Bare-walls minimums
- Directors and officers liability
Trust our experienced team to deliver personalized support and robust insurance solutions, safeguarding your condominium association's assets and interests."
Vehicles
Auto and Motorcycle Insurance
Let's explore how you can benefit from our flexible auto insurance solutions! At Regal Risk, we'll assess your driving record and vehicle usage to determine if you qualify for our Preferred auto insurance policy, offering lower costs. As a larger independent agency, we pride ourselves on providing a broader range of coverage options and competitive pricing, even for drivers with imperfect records. Do you own a unique or high-value vehicle? We specialize in insuring antique, special-interest, and high-value automobiles that other agencies may not cover. Our extensive auto insurance offerings include:
- Standard auto insurance
- Preferred auto insurance
- High-risk vehicle insurance
- Standard motorcycle insurance
- Antique and high-value vehicle insurance
Trust our experienced team to craft a personalized insurance plan that suits your needs and protects your vehicle investment.
Recreational and Sports Vehicle Insurance
The thrill of getting behind the wheel of your RV, ATV, or other recreational vehicle is unmatched! At Regal Risk, our experts will guide you through the necessary insurance requirements and recommend the best coverage options to protect your beloved big toys. Liability insurance is just the beginning. We offer comprehensive policies that cover collision damage, theft, fire, vandalism, weather events, and even unexpected encounters with wild animals. Don't let a miscalculated clearance crunch your RV - or your finances! Our specialized insurance policies cover a wide range of vehicles, including:
- Motorhomes
- Camping trailers and fifth-wheel travel trailers
- Pop-up and mounted truck campers
- All-terrain vehicles and dune buggies
- Trail bikes and mini-bikes
- Golf carts
- Snowmobiles
Trust Regal Risk to safeguard your adventure and your investment. Get the right coverage and hit the road (or trails) with confidence!
Boat and Watercraft Insurance
Understanding the nuances of boat insurance is crucial to ensuring adequate protection for your watercraft. At Regal Risk, we'll guide you through key distinctions, such as "agreed value" vs. "actual cash value," and common coverage exclusions in standard policies. We'll also help you determine if uninsured motorist coverage is right for you. Our expertise covers a wide range of watercraft, including:
- Motorboats and speedboats
- Yachts and cabin cruisers
- Houseboats and pontoon boats
- Fishing boats
- Sailboats
- Jetskis and personal watercraft
Gain peace of mind knowing you're properly protected before hitting the water. Let us help you navigate the complexities of boat insurance, so you can focus on enjoying your time on the water.
Aviation Insurance
Aircraft owners often overlook the crucial fact that their in-flight insurance may not provide coverage for ground-related incidents. This highlights the importance of working with specialized experts in aviation insurance, who understand the unique risks and legal requirements. Additionally, private pilots who aren't also owners can secure protection with tailored insurance solutions. Our comprehensive aviation insurance options include:
- Passenger liability insurance
- Public liability insurance
- In-flight insurance
- Ground risk hull insurance (static)
- Ground risk hull insurance (taxiing or moving)
- Private pilot insurance
Trust our experienced team to guide you through the complexities of aviation insurance, ensuring you have the right coverage for your aircraft and personal protection as a pilot.
