Local, Independent, Trusted.
Established in 1952 by W.W. White, Sr., White Insurance has since grown to a full-service, independent agency, with two convenient locations in Western North Carolina; Black Mountain and South Asheville. Providing insurance protection for over 65 years, it is easy to see our success is in maintaining such a reputable, client-centric and trusted agency.
As an independent agency, we identify and measure the exposure you, your family, or your business face and tailor the best personal, business and employee benefits coverage available. We established partnerships with over 50 carriers and present a well thought-out service plan to proactively ensure the best protection for your unique needs.
We Are Well Equipped.
Along with our team of knowledgeable associates, our offices are equipped with a state-of-the-art computer system for record keeping and special programs that guarantee instant rate comparisons can be made of the country’s finest insurance companies.
White Insurance Agency + Keystone
We are proud members of Keystone Insurers Group.
White Insurance Agency + Erie Insurance
We offer Erie Insurance coverage at competitive rates.
“My experience working with Adam, Robin and the rest of the White Insurance Agency team has been incredibly positive. I own a business that is very unique and doesn't fit into the standard categorization and classification that most businesses fit into. When relocating to the western North Carolina area, several insurance agencies I reached out to were not interested in working with my business because of the challenges that our "out of the box" business creates. The folks at White Insurance were happy to take on these challenges and have provided my company with excellent service and prompt and friendly communication for the past 8 years.”Anna B.Marion, NC
“We have been with White Insurance Company for 20+ years now. Being mostly a commercial sub-contracting company we have some unusual insurance requirements at times. David Queen and Michele Minton have always been there to answer all our questions and help us get the coverage required. Both are very knowledgeable in all aspects of our industry and have always met or exceeded our expectations. I would highly recommend any company in the commercial construction industry use White Insurance Company for all the insurance needs.”Derrick H.Candler, NC
“I have never had a company that is as professional. The staff that I deal with is Robin Melton and Adam Payne. They are so helpful and they really know the business. If you have questions, they have the answers. Besides being my agent on two different commercial accounts, I now have a friendship with these agents. They work so hard to fit you with the insurance company that works best for your business. I would highly recommend White Insurance to anyone.”Kathy C.Asheville, NC
Our Agency Facts & Stats
operating throughout North Carolina
Serving insurance needs of over
individuals and families
Serving and assisting more than
Black Mountain, NC
Black Mountain, NC 28711
2124 Hendersonville Road
Arden, NC 28704
Condo and co-op associations may face severe financial consequences from property loss due to fire, wind or other causes.
Commercial property insurance should provide coverage for damage to the building, personal property owned by the association and income lost due to a covered cause of loss.
Condo and co-op associations are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury and more. The association could also face lawsuits from claims associated with common areas such as hallways, stairwells, swimming pools and parking areas.
General liability insurance is an absolute necessity for any association. It provides coverage for legal fees and judgments when the association is named in a covered lawsuit.
Crime and Fidelity Bond Insurance
Crime and fidelity bond insurance is designed to provide coverage to cooperative and condominium associations to protect them from theft of funds or association-owned personal property by an employee, board member and in some cases, the property management firm.
Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and alteration, computer fraud, counterfeiting and more.
Systems Breakdown Insurance
With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment and any resulting lost income or extra expenses.
Comprehensive coverage provides protection against equipment mechanical breakdown for machinery such as heating and cooling equipment and elevator motors.
Directors and Officers Liability Insurance
Directors and officers (such as board members) can be held accountable for decisions they make in the performance of their duties. Any resulting lawsuits are typically expensive to defend and can result in potentially large settlements.
Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and may also provide the money necessary for any resulting judgments.
Commercial Umbrella Insurance
What happens when your condo or co-op building faces a large liability loss that exceeds the basic limit of your standard policy?
A commercial umbrella policy will provide extra coverage over and above general liability, directors and officers liability, auto liability and employers liability policies. Limits start at $1,000,000 and go as high as $200,000,000.
Cyber Liability Insurance
Technology has spun a whole new web of liability exposures including the need for protection of privacy, data and financial information for your association residents. Breach of their data can result in costly fees and lawsuits for the association if held liable.
Cyber liability coverage covers fees and lawsuits resulting from the breach of personal data, assuming that the association is liable.
Pollutant clean-up is generally excluded from the basic policies. Leaking of a fuel tank can be very costly to remediate.
Environmental insurance provides coverage for clean-up costs and third party lawsuits as a result of a leak from the tank or related pipes.
Sponsor / Investors Owned Units Insurance
Typically the policies for the association exclude coverage for the sponsor or holder of unsold shares for the interior of the units they own.
A policy should be maintained to provide coverage for what you are responsible for within the unit, as well as any lost income and lawsuits resulting from acts within the unit.