Business Details
26 Years
experience
Your Trusted Insurance Partner in Charlotte, NC
Founded in January 2000 by Terry and Michelle O'Connor, our agency has built a reputation as a trusted, family-owned independent insurance provider in Charlotte, NC. We prioritize personalized service and share our clients' values, offering tailored insurance solutions that protect against life's unexpected challenges. Our team of licensed professionals combines local expertise with comprehensive industry knowledge to address personal, business, life/disability, and Medicare insurance needs. With over two decades of experience, we focus on educating clients, designing custom coverage, and securing peace of mind through thorough risk assessment.Our commitment to exceptional service has fostered lasting client relationships, with 1,500+ clients relying on our expertise as we continue growing. We differentiate ourselves by asking detailed questions, creating customized solutions, and ensuring clients understand their coverage options. Our agency's longevity and client retention reflect our dedication to transparency, professionalism, and community-focused service.
Services
Home Insurance
Auto Insurance
Business Insurance
Life Insurance
Medicare Plans
Disability Insurance
Umbrella Coverage
Flood Insurance
Collector Car Insurance
Wine Collection Insurance
Details
- Year established: 2000
Highlights and features
- We offer personalized insurance solutions tailored to individual client needs
- Our team includes licensed professionals with 20+ years of local expertise
- We provide comprehensive coverage options across multiple insurance categories
- Family-owned agency prioritizes client relationships over transactional interactions
- We educate clients about risk management and coverage options
What people say
Personalized attention
Thorough explanations
Comprehensive coverage
Local expertise
Responsive service
Services
Home Insurance
Protect your home with comprehensive policies covering fire damage, personal property, and liability risks. We ensure replacement cost coverage without caps and include rebuilding to current code requirements. Our policies address unique risks like trampoline liability and water damage from various sources.
Business Insurance
Customized protection for businesses including general liability, garage repair shop coverage, and contractor insurance. We develop cost-effective solutions addressing specific industry risks while ensuring compliance with current regulations and providing umbrella policy options for additional liability protection.
Life Insurance
Offering individual and key man life insurance policies that provide financial security for loved ones. Our solutions include term life, whole life, and child life insurance options designed to protect against unexpected loss and maintain family financial stability.
Medicare Plans
Guidance through Medicare options including Advantage Plans, Part D prescription coverage, and dental/vision plans. We help clients understand enrollment periods, coverage gaps, and supplemental insurance options to ensure comprehensive healthcare protection.
Umbrella Coverage
Additional liability protection beyond standard policy limits for both personal and business needs. This coverage extends to auto, home, and commercial policies, safeguarding assets against major lawsuits or catastrophic events exceeding primary policy coverage amounts.
People
Terry O'Connor
Co-Owner
Co-founder with 25+ years of insurance experience, specializing in risk management solutions for Charlotte residents and businesses. Prioritizes client education and personalized coverage strategies.
Michelle O'Connor
Co-Owner
Co-founder focused on community engagement and client relationship management. Brings expertise in life insurance products and Medicare plan navigation to serve local families effectively.
Questions
What types of insurance do you offer?
We provide home, auto, business, life/disability, Medicare, umbrella coverage, and specialized insurance for unique assets like collector cars and wine collections.
Are you a local Charlotte agency?
Yes, we're a family-owned Charlotte business serving the greater Charlotte area since 2000 with deep community knowledge.
How do you help with Medicare plans?
We explain Medicare options, help select appropriate coverage, and clarify enrollment periods and supplemental insurance requirements.
Can you help with business insurance needs?
We offer commercial insurance solutions including general liability, contractor coverage, and industry-specific policies tailored to Charlotte businesses.
What makes you different from other agencies?
We combine personalized service with comprehensive risk assessment, focusing on education and customized coverage rather than standard policy sales.
Do you offer online account management?
Yes, our client portal allows policy reviews, claims reporting, and document requests while maintaining personal agent support options.
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