Insurance that speaks your language.
Service in English and Spanish, at every office.
Independent agency, 40+ insurance companies, three offices across North Carolina — and a bilingual team serving clients in English and Spanish since 2008.
4.9 
Winston-Salem
2120 Old Lexington Road, Winston-Salem, NC 27107
Mon–Fri 9:00 AM – 5:00 PM
After hours and Saturdays by appointment
Are you a contractor?
Construction is the largest part of our commercial business. We insure hundreds of contractors across North Carolina — general liability, workers' comp, commercial auto and umbrella — and turn around the certificates builders ask for, fast, in English or Spanish.
Coverage for your family
Auto + home bundle
Bundle your auto and home insurance with an independent agency in NC.
Learn more →Rental property
Landlord insurance for rental houses, duplexes and mobile homes in NC — the building, lost rent and your liability as an owner.
Learn more →Motorcycle
Motorcycle insurance in NC for cruisers, sport bikes and scooters — liability, collision, custom parts and seasonal options.
Learn more →Umbrella
Personal umbrella insurance — an extra layer of liability protection above your auto and home policies, usually for a modest annual cost.
Learn more →Health / Obamacare
Free bilingual help enrolling in ACA Marketplace (Obamacare) health plans in North Carolina.
Learn more →Watercraft
Boat, jet ski and watercraft insurance in NC — hull, liability and trailer coverage for the lakes and the coast.
Learn more →RV
RV and travel trailer insurance in NC — motorhomes, campers and trailers, for weekend trips or full-time living.
Learn more →Classic Car
Classic and collector car insurance with agreed-value coverage — protect the true value of your restoration.
Learn more →Coverage for your business
Contractors
Insurance for contractors in NC — general liability, tools and equipment, commercial auto and workers' comp, with certificates when you need them.
Learn more →Business Liability
General liability insurance for NC small businesses — bodily injury, property damage, and the certificates your contracts require.
Learn more →Commercial Auto
Commercial auto insurance in NC for work trucks, vans and business vehicles: liability, physical damage, cargo and certificates.
Learn more →Trucking
Trucking insurance in North Carolina for semis, dump trucks and box trucks: liability, cargo, physical damage, non-trucking and FMCSA filings.
Learn more →Landscaping and tree service
Insurance for landscaping, lawn care and tree service companies in NC — liability, equipment and trailers, commercial auto and workers' comp.
Learn more →Cleaning companies
Insurance for cleaning and janitorial companies in NC — liability, janitorial bonds, workers' comp and auto coverage for your crew.
Learn more →Restaurants
Insurance for restaurants, taquerías, cafés and bakeries in NC — liability, property and equipment, spoilage, workers' comp and liquor liability.
Learn more →Commercial Property
Commercial property insurance in NC — buildings, equipment, inventory and loss of income after fire, storm or theft.
Learn more →Auto Dealers
Garage liability and dealer insurance in NC — dealer open lot, garagekeepers, and the coverage DMV dealer licenses require.
Learn more →Cyber
Cyber liability insurance for small businesses — data breach response, ransomware, and customer notification costs.
Learn more →E&O
Professional liability / errors and omissions insurance — protection when a client says your work or advice cost them money.
Learn more →The people who take care of you
When you call, Lucy, our AI virtual assistant, answers. If you're already a client, she recognizes you by your phone number; then she takes your details and connects you with the right person. Behind her are twenty people, licensed agents and staff, in three NC offices, serving more than 5,000 clients.
What clients say
★★★★★
"They have a professional, friendly and helpful staff. Yamileth Leon has been my agent for more than 15 years. She goes above and beyond to find the best rate and coverage for your needs I highly recommend L&L Insurance to others."LORI W., customer since 2009
★★★★★
"Lizbeth helped me get great coverage at a price I still can't believe! I Definitely recommend her and L&L insurance."Carmen R., customer since 2021
★★★★★
"Have been with the company since they opened. Very nice people and helpful. I have recommended them to my Mom and daughter!"BRUCE A., customer since 2009
★★★★★
"You guys are the best and I already tell everyone I know to go to you guys"Edward D., customer since 2018