Terms and Conditions
Overview
These Terms and Conditions govern your use of the website and services provided by SJ Adams Insurance, Inc. ("we," "our," or "us") at www.sjadamsinsurance.com. By using our website or contacting us for services, you agree to these terms.
Services
SJ Adams Insurance, Inc. is an independent insurance broker offering a range of personal and commercial insurance products. We act as an intermediary between clients and insurance carriers and do not underwrite insurance policies directly.
Text Messaging Terms
By providing your mobile phone number and consenting to receive text messages from SJ Adams Insurance, Inc., you agree to receive informational text messages including follow-up communications related to your inquiries and billing notifications.
- Message frequency: Varies based on your interactions with us.
- Message and data rates may apply.
- To get help: Reply HELP to any message or email us at service@sjadamsinsurance.com.
- To opt out: Reply STOP at any time to cancel. You will receive a confirmation message and no further messages will be sent.
Accuracy of Information
We strive to provide accurate and up-to-date information on our website. However, insurance products, coverage options, and pricing are subject to change. Nothing on this website constitutes a binding insurance quote or guarantee of coverage. Please contact us directly for current information.
Limitation of Liability
SJ Adams Insurance, Inc. is not liable for any damages arising from your use of or inability to use this website, or from reliance on any information provided herein. All information is provided "as is" without warranty of any kind.
Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or assume responsibility for the content, privacy practices, or terms of any third-party sites.
Changes to These Terms
We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated effective date. Continued use of our website or services constitutes acceptance of the revised terms.
Contact Us
If you have questions about these Terms and Conditions, please contact us at:
SJ Adams Insurance, Inc.
service@sjadamsinsurance.com
Effective Date: March 25, 2026
Privacy Policy
Introduction
SJ Adams Insurance, Inc. ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit our website at www.sjadamsinsurance.com or contact us for insurance services.
Information We Collect
We may collect the following types of personal information:
- Name
- Mailing address
- Email address
- Phone number
- Other contact information you voluntarily provide
How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and service requests
- Provide insurance quotes and related services
- Send billing notifications and account-related communications
- Communicate with you via phone, email, or text message as permitted
- Comply with applicable laws and regulations
Text Messaging
If you provide your mobile phone number and consent to receive text messages from us, we may send you follow-up communications related to your inquiries or billing notifications. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.
How We Share Your Information
We do not sell your personal information. We may share your information with insurance carriers, underwriters, or other parties as necessary to provide the services you have requested, or as required by law. We do not share your information with third parties for their own marketing or promotional purposes.
Data Security
We take reasonable precautions to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Your Choices
You may opt out of receiving text messages from us at any time by replying STOP to any message we send. To opt out of other communications or to request that we update or delete your information, please contact us at service@sjadamsinsurance.com.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the revised policy.
Contact Us
If you have questions about this Privacy Policy, please contact us at:
SJ Adams Insurance, Inc.
service@sjadamsinsurance.com
Effective Date: March 25, 2026
Inland Marine / Mobile Equipment
What about your equipment?
What happens if it stolen from a job site? How do you replace it?
We can help to take care of you in case the worse case scenario happens.
What if you occasionally rent equipment for particular jobs and need to insure the rented equipment?
Let us know and we can cover your needs.
We work with these insurance companies to get you the best coverage to fit your needs
Commercial Flood Insurance
What happens when water comes into your building from a storm or the river overflows its banks?
Do you have a flood policy? If not you will not have the appropriate coverage. S J Adams Inc offers coverage for both your buildings, equipment, furniture.
Depending on your proximity to the flood plain an elevation certificate (flood appraisal) may be required.
We work with these insurance companies to get you the best coverage to fit your needs
Directors and Officers Insurance (D&O)
You are asked to serve on a board for a local business, what is your exposure?
Did you know you can be sued? Does the company have your interests protected and have an active Directors and Officers policy?
Do you serve on a nonprofit board such as Rotary or Lions Club? What about your local church or home owners association (HOA)? Are you aware that you can be held liable for something another board member does or a mistake he/she made?
Our staff can answer your questions and make sure your interests are protected.
Call us today.
We work with these insurance companies to get you the best coverage to fit your needs
Day Care/School/Church Insurance
We offer package policies tailored particularly to your industry/field.
Do you have the care or custody of children all day?
What happens if one of your staff is accused of inappropriate behavior? Are you covered?
We can offer you coverage for yourself, your employees, and volunteers.
We work with these insurance companies to get you the best coverage to fit your needs
Special Event Insurance
Are you having a special event and need coverage only for that event?
Are you renting a booth at the local fair grounds or setting up a seminar at the local college?
S J Adams can help.
Give us a call.
We work with these insurance companies to get you the best coverage to fit your needs
Business Life Insurance
How would your business be affected if you lost a key employee?
What if a partner dies, do you want to be partners with his/her spouse? Will the individual work as hard, putting as much effort into the business, or just want an income?
Perhaps you built you business from the garage to a multiple locations/employees. What happens when you are gone? Will your family be left with a large tax liability?
Do you want to transfer the business to your son or daughter? Do you have multiple partners or tax deferred assets? Have you set up a plan? We can help with setting up a life insurance program to cover the costs, so you can pass on your prize asset to the next generation.
We will work your accountant, attorney, financial planner, and others involved to make sure everything is covered.
We work with these insurance companies to get you the best coverage to fit your needs
Bonds
Do you need a license or permit bond to practice your trade?
What about a large job requiring a bid bond?
S J Adams has multiple carriers and can help those from the preferred to those who don’t have the best record.
We work with these insurance companies to get you the best coverage to fit your needs
Garage Keepers Insurance
Do you have a garage or a car dealership and need coverage?
S J Adams offers coverage to everything from:
- Small to Large Dealerships
- Auto Repair
- Tire Shop
- Car Detail Shop
We can provide coverage for your dealer tags and those vehicles that are in your care, custody, or control.
We work with these insurance companies to get you the best coverage to fit your needs
Landlord Insurance
Landlord insurance is a niche in which S J Adams Insurance specializes.
We write both individual and commercial landlords. We offer actual loss sustained on rents, so if you have a fire, you will get reimbursed for the full amount of rents you were receiving.
S J Adams offers replacement cost policies and extra expense coverage to cover other items that might come up in claim.
Do you have multiple properties with policies coming due at different times of the year? We offer a customized solution of either account billing or do a master policy covering all your properties.
We work with these insurance companies to get you the best coverage to fit your needs
Commercial Auto Insurance
Need to insure your business vehicles?
Do you have special equipment that needs to be listed? We can offer policies from multiple carriers with excellent pricing. We write trucks, vans, specialty vehicles, truckers, box trucks, trailers, bucket trucks, etc.
Are you sending your secretary to go the bank in her car? Do you know you can be pulled into a claim if your employee is involved in an accident, even while using their personal vehicle in the pursuit of their job duties? Are you hiring a delivery service or transport? We can offer coverage for non-owned and hired vehicles.
What if your specialty vehicle is in a wreck? The cost to rent a similar vehicle could go into the hundreds of dollars a day. Can you write that check? Do you have a backup? Would you like someone else to cover it for you?
We work with these insurance companies to get you the best coverage to fit your needs
IT Insurance
What happens if you lose all of your client’s data? IT Insurance can help!
IT Insurance is designed for technology professionals, particularly those who work from home, as consultants or for larger firms.
This can include:
- IT Consultants
- Technology Consultants
- Computer Consultants
- IT Project Managers
- Software Developers
- Website Developers
We work with these insurance companies to get you the best coverage to fit your needs
Commercial Package
We offer custom policies tailored to your specific needs…
…including loss of income or use, liability, liquor liability, EPLI, buildings etc.
Business types include
- restaurants
- offices
- manufacturing
- retail
- grocery stores
- convenience stores
S J Adams can combine this on to on policy which saves you on the policy fees and offers a better vale. Give us a call for a no obligation quote.
We can put together a policy to fit your particular industry and need.
We work with these insurance companies to get you the best coverage to fit your needs
General Liability Insurance
S J Adams has competitive policies for your liability needs.
Our Fivestar package policy is great for subcontractors or artisan trades.
The rate is based on headcount vs payroll, so you have already saved on premium.
We also have several extras such as scheduled equipment, voluntary property damage etc.
We offer specialty lines as well.
We work with these insurance companies to get you the best coverage to fit your needs
B Hemphill
Main Street America
Hagerty
N Brown
Nate B
Steve P.
Universal Property and Casual
Universal North America
Travelers Insurance
404 Page Not Found
Whoops!
Not sure what happened there...
Sorry, but you’re trying to load a page that doesn’t exist!
We’ve just rebuilt our website, so maybe you have a bookmarked link that no longer works. If you need a quote, our quote tools are all here now.
Need to make a payment? Online payment info is now in the Policy Service Center.
If you need to make a claim, those links are also in the new Policy Service Center.
Certificate Request Received…
We'll process your request for a certificate of insurance as quickly as possible.
Thank you for your quote request!
We’ll review your information and a licensed agent will contact you within the next business day.
Thank you for your inquiry!
We’ll be in touch as soon as possible.
Other Resources
Other insurance related resources.
Request a Certificate of Insurance
Request a certificate of insurance by completing the linked form.
Online Billing/Payments
Links to providers’ bill pay/account access pages.
File A Claim
Links to provider claims web pages and/or phone numbers.
Please don't hesitate to contact us if you have any questions about your claim.
Contact Us
We’re ready to serve your insurance needs!
Policy Service Center
Online Resources for our clients.
Life Insurance
Do you have the coverage you need?
Your family and friends may offer your family the emotional support that they need. However the light bill, rent or mortgage will still be due. Do you want your family to drastically reduce their standard of living upon your passing?
Will your husband, wife or children have the financial resources they need to live comfortably, pay for education and to retire? We offer a broad range of products to meet your specific needs: whether it is whole, term, or adjustable premium life insurance
Business Insurance
S J Adams offers business solutions that protect your business interests.
You have worked hard to build your business; you don’t want to just give it over to someone else, right? S J Adams offers business solutions that protect your business interests. We take the time to get to know our clients and their needs. The level of service provided by our experienced and trained staff is unmatched.
Call us today for a no commitment free insurance consultation.Auto, Home and Personal Insurance
By offering a wide-range of policies, we are able to find the perfect match for your needs.
Get a Quote
Get started with a quote from SJ Adams Insurance.
Some of the links below lead to an online quote service and will open in a new window.
Testimonials
We're proud of our focus on customer service... see what our clients are saying!
Our Team
Our team is always there to give the extra service to exceed your expectations...
About Us
Taking the confusion out of insurance choices since 2005.
Emphasis on Customer Service
Customer service is very important to us. When looking at insurance, a client needs help not only looking at what is available for the cost, but also what coverages they need specifically for them. We educate our clients on the available options and let them make the decisions on what they want.
SJ Adams Insurance offers a wide range of products: Home, Auto, Life, Business, GL, Workers Comp, Commercial Auto, and Bonding.
Follow up is our specialty...
Individual and family needs change over time and we will make sure that your insurance coverage adapts to meet those needs. New house? No problem. New baby? We’ll help you choose the right coverage. Accident? DUI? We’ll keep you covered. AND…save you money.
Whether you need business or personal insurance coverage, or want to review your life insurance needs, S J Adams Insurance has a product to fit your budget. Have you had an insurance review lately?
Shaun Adams
Home Page
Emily Wilson
Rochelle McCoy-Wells
Deborah Darwin
Norma Fuller
Andrew Sparrow
Matt Polinchak
Mack Ochs
Brittany Jones
Graham Jagger
Samuel Watkins
Rob Downs
Patti Naimoli Galloway
Adam Ward
Lori Morgan Kemeny
FloodSmart.gov
NC DMV
My Home Scrapbook: Home Inventory App
Erie Insurance iPhone App
Professional Liability Insurance / E&O
If you are a professional services business, you may need Professional Liability Insurance.
Perhaps you have general liability and coverage for your business?
If you are a professional services business such as
and make a mistake, this would not be covered by your General Liability.
- IT
- real-estate
- accounting
- hair salons
- architects
- book keeper
- mortgage brokers, etc,
S J Adams offers professional liability for a different business types.
We would be happy to do a free consultation.
Since Professional liability is more detailed, the turn around time may take a few days more, so plan ahead.
We work with these insurance companies to get you the best coverage to fit your needs
Workers Comp Insurance
S J Adams Insurance offers a wide variety of options from contractors to office employees.
We offer competitive rates. We can help those who are starting their dreams opening a business, to those that are more seasoned, and have more complex needs.
Our Quickbooks compatible option is very popular, which allows you, the client, to pay as you go each month. Each time you have payroll, quick books calculates your premium. You simply send a check through quick books.
Ghost Policies are available provided we write the supporting business policies. We do not offer stand alone ghost policies.
We work with these insurance companies to get you the best coverage to fit your needs
Renters Insurance
Renters Insurance helps protect your personal belongings that may not be covered by your landlords insurance.
Renters Insurance is too affordable not to have. Too often, people under-estimate the value of their possessions, until a tragedy strikes, such as fire, smoke-damage, theft or even explosion.
If you rent your apartment, condo or house, protect your belongings with affordable renters insurance.
We work with these insurance companies to get you the best coverage to fit your needs
Boat Insurance
Do you have a boat? Do you have the right coverage? What if it sinks or your son/daughter hits another boat while driving? Need a tow back into port?
These can be costly expenses if you don’t have the right coverage on your policy. SJ Adams has multiple markets for your boatowners coverage and provides optional coverage such as ocean towing, stated value, fishing equipment and personal effects, etc.
We work with these insurance companies to get you the best coverage to fit your needs
Flood Insurance
Protect your home and your belongings from the damage caused by a flood. Homeowners insurance usually does not cover damage from a flood.
Do you live on a flood plain?
Does it rain a lot where you live?
Then make sure you get Flood Insurance.
This insurance helps you live a worry-free life.
We work with these insurance companies to get you the best coverage to fit your needs
Umbrella Insurance
One lawsuit for injury or accidental death easily run into the millions of dollars, which can clear out savings. Protect your self with an Umbrella Insurance policy.
Umbrellas aren’t just for rainy days.
Safeguard your assets. You work hard to accumulate your assets. Why not protect them?
Adding an umbrella policy to your insurance plan is a great way to provide comprehensive coverage “just in case.”
These affordable policies provide enhanced coverage.
We work with these insurance companies to get you the best coverage to fit your needs
Life Insurance
Give yourself and your family peace of mind with life insurance. Provide your family with financial security and stability when they would most need it.
Your family and friends may offer you emotional support that you need. However the light bill, rent or mortgage will still be due.
Do you want your family to drastically reduce their standard of living upon your passing?
Will your husband, wife or children have the financial resources they need to live comfortably, pay for education and to retire? We offer a broad range of products to meet your specific needs: whether it is whole, term, or adjustable premium life insurance.
We work with these insurance companies to get you the best coverage to fit your needs
General Business Insurance
S J Adams offers business solutions that protect your business interests.
You have worked hard to build your business; you don’t want to just give it over to someone else, right? S J Adams offers business solutions that protect your business interests. We take the time to get to know our clients and their needs. The level of service provided by our experienced and trained staff is unmatched.
We work with these insurance companies to get you the best coverage to fit your needs
Auto, Motorcycle Insurance
Premiums, types of coverage, deductibles, coverage limits and more. It can all be a bit confusing – call SJ Adams today for an easy to understand explanation.
We'll make sure you're covered...
SJ Adams offers a broad range of auto insurance, including:
- Cars
- Trucks
- RV’s (Recreational Vehicles)
- Motorcycles
- Classic Automobiles
We offer competitive rates whether you have a perfect driving record, a DUI, or are a young driver.
We work with these insurance companies to get you the best coverage to fit your needs
NCJUA-NCIUA
RLI Surety
Jackson Sumner & Associates
Foremost Insurance Group
National Flood Insurance
National General
MetLife
Progressive
The Hartford
Erie Insurance
Homeowners Insurance
Protect your home against theft and damage. Homeowners insurance helps pay to replace or pay for damages covered by the policy.
Your home and possessions are your most valuable assets. We take protecting that asset very seriously.
SJ Adams offers single family, renters, condo and landlords insurance. Bundle your policies to save money. Contact SJ Adams Insurance to learn more.
We work with these insurance companies to get you the best coverage to fit your needs
