North Carolina’s Trusted Insurance Agency Since 1922

Outstanding service. Finest selection. Superior protection. It’s what we do best.

Personal InsuranceBusiness InsuranceEmployee Benefits

Get a Quote

Superior Selection of Insurance Solutions

About MSH Insurance Agency

Proud to Serve

Proud to be Independent

As an independent insurance agency, we are proud to offer our clients a variety of options from the best insurance carriers in the industry. We believe you should have the power choice when it comes to your insurance, and with a trusted advisor, we can help you make that decision. From going above and beyond to ensure your coverage meets your needs, to efficiently recovering losses as quickly as possible during the claims process, MSH is here for you every step of the way.

Proud to be Personal

When it comes to insurance, we make it a point to get to know our clients so we can better understand their needs. Whether it’s a family or a local small business, our team of friendly agents will know what it takes to protect what matters most in your life because we get to know you on a personal level. So if you’re looking for an agency that treats you with respect, honesty and integrity, choose MSH Insurance Agency.

They are exceptional. Always recommend to anyone I know that has insurance needs! David and his team are quick to respond with any questions or concerns we have.

Elizabeth N.Rocky Mount, North Carolina

MSH has provided me with insurance for over 17 years...Not only are they great to work with but they are also active in our community. Please do yourself a favor and give them a call.

Lige D.Rocky Mount, North Carolina
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby or a little spill of soda and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

MSH-&-Triangle

In March of 2019, MSH merged with the Triangle family of agencies. Together, we’re excited to serve your needs with increased staff, resources and selection.

Questions? Contact Us!Triangle Risk Advisors

Our Rocky Mount Office

Our agency is proud to serve clients in Wilson, Nash County, Wilson County and all of North Carolina.

72 Azimuth Court
Rocky Mount, NC 27804

MSH Insurance Agency Client Portal

Manage your account with us quickly and easily!

Report Claim
Request Policy Change
Request Certificate
Request Auto ID Card
Policy Review