340 Young Harris Street
Blairsville, Georgia 30512
For how long has Carter Williams been in the insurance industry?
Carter Williams, formerly Carter Insurance and Investments, was established in 1988.
What unique features or benefits set your insurance products apart from competitors?
We don’t offer unique products because insurance is considered a commodity. However, our distinction lies in being a boutique agency with access to every market. As brokers, we prioritize businesses’ interests, advocating for them in program and loss/claims negotiations with insurance companies.
Does Carter Williams specialize in any niche insurance products?
We specialize in Professional Errors and Omissions insurance and Group Health insurance.
Who is the primary target audience or customer base that Carter Williams aims to serve?
Our main focus is small business owners. We aim to fully insure their businesses (property, liability, worker’s comp, commercial auto, etc.) and then expand our offerings to include group health insurance for the business, company 401(k) profit sharing for employees, and life insurance for both owners and employees.
What are some key challenges that your insurance products address for clients?
We take pride in educating business owners that risk management must be approached as a strategy no different than revenue growth, marketing, and expense control. The most valuable asset of a business owner is their business, and our goal is to shift their perspective on insurance from a burdensome necessity to a strategic asset. Proper insurance coverage is essential, as a single mistake could jeopardize the entire business. Insurance provides crucial protection against future uncertainties, offering peace of mind and security.
Do you offer customizable insurance solutions?
Absolutely! Our approach is needs-based, ensuring that solutions are precisely tailored to meet our clients’ strategic needs. We prioritize long-term relationships over short-term gains, preferring to build lifelong partnerships rather than focus on transactional sales.
Are there specific industry sectors where Carter Williams has particular expertise or a strong presence?
We are skilled in the following areas: legal professional liability, higher education, construction, and logistics.
How can clients obtain insurance coverage through Carter Williams?
Our process starts with a thorough analysis of the business, reviewing current coverage, identifying coverage gaps and proper needs, aligning strategic partners, and providing a professional, transparent proposal. The unique advantage we provide is the subject matter expertise and market availability of a national broker with the service and accessibility of a boutique firm.
Can you tell me what I can expect when working with Carter Williams?
Service is how we distinguish ourselves from the competition. We are always accessible, and we provide transparent service-level agreements to ensure accountability and clear, agreed-upon expectations.
In what ways does Carter Williams stay up-to-date with industry trends and changes?
We commit to continuing education, attending conferences, and participating in public forums.
Does Carter Williams have any partnerships or collaborations with other organizations to offer unique benefits to clients?
Yes! We partner with a variety of national brokers, wholesale brokers, and agency collectives for market access and subject matter expertise.
Which regions does Carter Williams serve, and do you cater to international clients?
Currently, we serve clients primarily in the southeastern United States; specifically in Georgia, Alabama, North Carolina, South Carolina, Tennessee, and Florida. However, we have clients as far north as Maine and as far west as California.
How does Carter Williams manage claims processing and client support during incidents?
We have a service team that works directly with clients to assist navigating through filing claims specific to each carrier’s process.
Could you provide insights into the future direction and growth plans of Carter Williams?
Our mission is to help 4,000 people by 2025. We have a deliberate strategic plan that focuses growth in the commercial property & liability insurance line of business supplemented with a cross-sell plan to grow group health and employee benefits lines of business (and vice versa at times). We are also leveraging our partner network to create special programs for Legal Professional Liability Insurance and Commercial Auto Insurance for Logistics companies. We commit ourselves to staying flexible and adaptable to be able to adjust to where the opportunities take us.