Specialty Insurance for Unique Businesses & Community Programs
Not every business fits a traditional insurance category—and that’s where we come in. At The Catawba River Insurance Group, we specialize in finding coverage for the kinds of operations that standard policies often overlook. From haunted houses and petting zoos to art galleries and climbing walls, we help niche businesses across Hickory, Charlotte, Lenoir, Blowing Rock, and beyond stay protected.
Coverage for Community, Cultural & Event-Based Programs
If you’re running a program that serves the public, hosts events, or fosters recreation, we offer tailored protection designed around your audience, property, and exposure.
- Fairs, festivals, and farmers markets
- Performing arts venues and dance schools
- Senior centers and youth recreation programs
- Open-air markets, concerts, and parades
Unique Commercial Coverage for Hard-to-Place Risks
Some businesses simply require more flexible underwriting and industry-specific coverage. These operations often fall outside traditional insurance appetites—but we’ve got access to the carriers that want them.
- Haunted houses and amusement devices
- Fishing ponds, guides, and charter operators
- Gun safety instructors and shooting ranges
- Skiing, climbing walls, ropes courses, and martial arts studios
Insuring the Unexpected—Across North Carolina and Beyond
Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond
Specialized Coverage for Security & Investigation Services
- Private Investigation & Surveillance
Arson investigators, skip tracers, detective agencies, and polygraph testers - Security Services & Armed Guard Providers
Armed/unarmed guards (availability varies by state), employee surveillance teams, and private patrol firms - Specialty Commercial Support
Process servers, electronic sweep providers, private insurance adjustors, and cannabis security operations (BLITZ ins. market available) - Facility Protection & High-Risk Locations
Security around car dealerships, manufacturing plants, commercial buildings, and more - Training & Safety Instruction
Firearms safety, security training programs, and tactical risk prep
FAQs
Do you really cover all of these types of businesses?
Yes—we specialize in helping clients secure coverage for industries that traditional insurers often avoid. Whether it’s a haunted house, a petting zoo, or a cannabis-related business, we have access to carriers that write these unique risks.
Is this coverage more expensive than standard business insurance?
Not always. While some specialty programs involve higher risks and may be priced accordingly, we work with competitive carriers and specialty markets like BLITZ Ins to find cost-effective solutions that match your needs.
Can I combine specialty insurance with general liability or commercial property coverage?
Definitely. In most cases, we’ll build a policy package that combines core protections (like liability and property) with the niche endorsements or underwriting required for your specific operation.
What documents or information do I need to get a quote?
We’ll usually need a business description, operational details (like location, staff, and seasonal factors), and any applicable licenses or permits. From there, we match you with the right carrier—fast.