Business Details
50+ Years
experience
Emergency
services
Your Trusted Independent Insurance Agency in North Carolina
Chalk & Gibbs Insurance has been a trusted name in the insurance industry since 1925, serving families and businesses across North Carolina. As a fourth-generation family-owned agency, we combine decades of experience with a commitment to personalized service, offering comprehensive solutions tailored to our clients' unique needs. Our team of licensed professionals represents multiple carriers, ensuring access to competitive rates and diverse coverage options.With three offices in Morehead City, Beaufort, and Emerald Isle, we provide local expertise backed by a deep understanding of regional risks. Our dedication to community is exemplified through the CG Foundation, which supports epilepsy medication access and special needs playground initiatives. We prioritize transparency, ethical practices, and long-term relationships, helping clients navigate insurance complexities with confidence.
Services
Home Insurance
Auto Insurance
Business Owners Insurance
Medicare Part D
Group Health Insurance
Flood Insurance
Commercial Property Insurance
Employee Benefits
Golf Course Insurance
Farm Insurance
Details
- Year established: 1925
Highlights and features
- Fourth-generation family-owned agency since 1925
- Independent representation across multiple insurance carriers
- Local expertise in North Carolina's coastal risks
- Personalized service with dedicated account managers
- Community-focused through CG Foundation initiatives
What people say
Excellent customer service
Prompt and professional
Knowledgeable staff
Personal attention
Trusted advisors
Services
Home Insurance
Our home insurance policies protect against fire, water damage, and liability risks while covering rebuilding costs to code. We offer replacement cost coverage for personal property and valuable possessions. Additional living expense protection ensures financial support during home repairs after covered losses.
Business Insurance
Business owners policies combine property and liability protection with options for cyber liability and workers' compensation. We provide coverage for golf courses, farms, and specialized industries. Commercial umbrella policies offer extended liability limits for added security.
Medicare Solutions
We offer Medicare Part D prescription drug plans and Advantage plan comparisons. Our advisors help navigate enrollment requirements and coverage gaps. Specialized plans include dental, vision, and hearing benefits for senior clients.
Auto Insurance
Comprehensive auto policies cover collision, theft, and natural disaster damage. We provide uninsured motorist protection and rental reimbursement options. Specialized coverage includes collector cars and business auto fleets.
Employee Benefits
Group health, dental, and vision plans help attract talent while offering tax advantages. We provide disability coverage and voluntary benefits packages. Our advisors assist with ACA compliance and affordable care act requirements.
People
Jim Chalk
Business Insurance Manager
Fourth-generation insurance professional with 25+ years of commercial risk management experience. Specializes in business owners policies and industry-specific coverage solutions for North Carolina enterprises.
Stephen Chalk Jr
Business Insurance Dept. Manager
Certified insurance counselor with expertise in commercial liability and property coverage. Provides tailored risk assessment services for coastal business operations in eastern North Carolina.
Erin Ceci
Personal Lines Account Manager
Licensed agent with 15+ years of experience in home and auto insurance. Focuses on personalized policy reviews and claims advocacy for residential clients across Carteret County.
Angie Morse
Branch Manager/Personal Insurance Account Manager
Emerald Isle office leader with specialization in coastal property insurance. Assists clients with flood coverage and hurricane preparedness planning for primary and secondary homes.
Donald Rice Jr
Claims Advocate
Dedicated claims specialist with 20+ years of experience resolving property and auto insurance claims. Prioritizes timely communication and fair settlements for policyholders.
Questions
What types of insurance do you offer?
We provide home, auto, business, Medicare, and employee benefits insurance with specialized coverage for golf courses, farms, and coastal properties.
How can I file a claim?
Contact our claims department directly at 252-726-3167 or use our online request form to initiate the claims process with a dedicated advocate.
Do you offer 24/7 emergency service?
While our offices operate during standard business hours, we provide emergency contact options for urgent claims assistance after hours.
Are you a local agency?
Yes, we maintain three North Carolina offices in Morehead City, Beaufort, and Emerald Isle with locally experienced insurance professionals.
How do you help with policy comparisons?
Our independent agents analyze multiple carrier options to find coverage that balances price, policy terms, and service quality for your specific needs.
What payment methods do you accept?
We accept major credit cards, electronic checks, and traditional payment methods for policy premiums through our secure billing system.
