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Carolina Casualty Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Apr 10, 2020

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Carolina Casualty Insurance
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Carolina Casualty is a commercial insurance company that specializes in the needs of the trucking industry. They have been in business for 75 years and offer coverage in most of the country, excluding only four states.

About Carolina Casualty

Carolina Casualty was founded in 1943 in North Carolina, taking the name of their home state. In 1958 an affiliation with Insurance Company of the South caused the company to move their headquarters to Jacksonville, Florida; the two companies officially merged in 1966. Carolina Casualty has operated as a subsidiary of W.R. Berkley Corporation since 1985.

In addition to the Jacksonville headquarters, Carolina Casualty has offices in Knoxville, Tennessee, and Boise, Idaho. Their products are sold through independent agents across the country. Currently, there are four states in which the company’s products are not sold: Massachusetts, Mississippi, Alaska, and Hawaii.

Carolina Casualty remains focused on insurance for the trucking industry, serving fleets of all sizes.

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Carolina Casualty Products

Carolina Casualty breaks down their trucking and transportation insurance options into four categories: Small Fleet (1-10), Mid-Size Fleet (11-100), Large Fleet (101+), and Public Auto/Passenger Transportation (10+).

Small Fleet coverage includes all of the basics of liability, including trucker’s liability, as well as cargo coverage and trailer interchange coverage. Multiple options can be added on to the policy as well, including a package endorsement called Carolina Plus – the site does not say what is included in that package.

The Mid-Sized Fleet product starts with the same base coverage but has a long list of available options that differ from the Small Fleet choices. The package endorsement is not offered for Mid-Size, with options being more varied and a la carte.

The Large Fleet products are similar to Mid-Sized, again starting with a base level of standard coverage, and then offering a list of options.

Public Auto/Passenger Transportation differs from the trucking policies and is available for charter and tour operators, municipal transit authorities, limousine companies, school districts, and school bus contractors. They have a long list of ineligible businesses, including taxi companies, airport shuttles, medical vehicles both emergency and non-emergency, and party buses.

Coverage options include liability of up to $10 million for both auto and general, uninsured/underinsured motorist and PIP coverage, physical damage, and both garage liability and garage keepers liability. There are also several extended coverage enhancements to choose from.


Carolina Casualty does not offer online quoting but there is a search function that finds a local agent matching the specific fleet size and location.

Quotes can only be obtained through agents, which is standard for this type of insurance due to the specific nature of coverage needs for different companies. It is always best to discuss coverage options with an agent in order to make sure the quotes obtained are accurate and represent the insurance each company really needs.


Carolina Casualty promises claims experts that understand the needs of trucking and transportation companies, and with their very specific focus on just this niche, we anticipate that this claim should be accurate.

Claims can be filed by calling a toll-free number, by email, or by fax. There is also a web-based claim form that can be filled out to get a claim started. Claims involving serious injury, death, hazardous materials, or perishable cargo should be reported via the toll-free line rather than any other method to ensure the fastest response.

The website is very clear in stating that all claims are investigated thoroughly and that they will deny claims as needed based on all of the facts of each case. It is unusual to see an insurance company make forceful statements regarding their approach to denial of claims, and this may set those shopping for insurance on the defensive. They are also very clear that claims that are determined to be valid are paid and handled as quickly as possible. There is not much in terms of an explanation for the claim process.

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Ratings and Consumer Reviews

Carolina Casualty is neither accredited nor rated by the Better Business Bureau (BBB). According to the file, there was no response to the BBB’s attempts to contact the company in order to verify business information, and the BBB was unable to verify the information elsewhere. As a result, there is no rating. There is only one review listed on the BBB site, which is negative and was written not by a customer of the company but by a driver involved in an incident with one of Carolina Casualty’s insured vehicles. The complaint cites that the claim was denied.

We were unable to find much to go on elsewhere, as there are no reviews of this company in any of the usual locations. It is pretty common for commercial insurance companies to have fewer reviews than personal insurance companies, and usually a lack of reviews is a positive thing. It is pretty unusual, however, for a company to ignore requests for information from the BBB and to have no rating as a result.

The Bottom Line

Carolina Casualty certainly has the experience and the focus to provide solid insurance options for trucking and transportation companies. There is not much to go on in terms of their reputation, but there are no red flags, either. For those in search of this type of coverage, they are likely worth a closer look and a comparison quote.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Carolina Casualty
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Hi, we need some advice. We were involved in an accident involving a driver with this insurance Carolina Casualty. They hit our truck and it was deemed non-operational. It has been a frustrating experience dealing with this company. They will fix our truck but not pay for out of business and our lowballing the rental estimate to get a rental truck. If you can provide any guidance.

    • Hi Manavpreet,

      If the the amount is large enough, I would consider hiring an attorney. Insurance companies often try and low-ball values during claims, and a letter from an attorney’s office can show them that you are ready to play hard ball. It may only need a few hours of their time to get the wheels moving.

      Eric Stauffer


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