Business Details
50+ Years
experience
Trusted Insurance Solutions in Virginia and North Carolina
At Watkins Insurance, we have dedicated ourselves to providing comprehensive insurance solutions since 1924. Our four-generation legacy reflects our deep expertise and unwavering commitment to protecting our clients' assets and well-being. With a team of experienced professionals, we offer personalized service tailored to both individual and business needs across Virginia and North Carolina. Our independent agency model allows us to source competitive options from multiple carriers, ensuring clients receive optimal coverage and value.Built on foundational principles of integrity, choice, and community service, we maintain a client-centric approach that has earned long-standing trust and repeat business from generations of policyholders.
Services
Home Insurance
Auto Insurance
Business Owners Insurance
Workers Compensation Insurance
Employee Benefits
Watercraft Insurance
Renters Insurance
Umbrella Insurance
Disability Insurance
Flexible Spending Account
Details
- Year established: 1924
Highlights and features
- We offer a wide variety of personal and business insurance solutions.
- As an independent agency, we provide options from multiple insurance companies.
- Our team has four generations of experience in the insurance industry.
- We are licensed and operate in Virginia and North Carolina.
- With multiple locations, we serve clients across Virginia and North Carolina.
What people say
Very professional
Super thorough
Quick pleasure to work with
Outstanding
Timely and efficient
Services
Business Owners Insurance
We provide comprehensive protection for business owners through tailored insurance packages. Our policies cover property damage, liability, and operational risks while offering customizable endorsements to address industry-specific exposures. With four generations of expertise, we help Virginia and North Carolina-based businesses protect their assets and ensure continuity.
Workers Compensation Insurance
Our workers' compensation solutions safeguard businesses against occupational injury and illness costs. We offer coverage that meets state requirements while providing medical expense coverage, wage replacement, and legal protection. Our experienced team helps employers maintain compliance and manage workplace risk effectively.
Watercraft Insurance
We provide specialized coverage for various watercraft types, including liability protection, physical damage coverage, and emergency assistance. Our policies address unique marine risks like pollution liability, hurricane haul-out, and uninsured boater scenarios to protect Virginia and North Carolina boat owners comprehensively.
Employee Benefits
Our employee benefits packages include disability insurance, flexible spending accounts, and group health solutions. We help businesses attract talent through competitive benefit programs while ensuring compliance with current regulations and offering cost-effective options for employers.
Umbrella Insurance
We offer excess liability protection that extends beyond standard policy limits. Our umbrella policies provide crucial financial protection for personal and commercial risks, covering legal defense costs and judgments exceeding primary policy amounts. This helps safeguard assets against major liability claims.
Questions
What types of insurance do you offer?
We provide personal insurance (home, auto, watercraft), business insurance, employee benefits, and industry-specific coverage for farm, contractor, and rental equipment risks.
What makes Watkins Insurance different?
Our four-generation legacy, independent agency status, and commitment to personalized service distinguish us. We combine multi-carrier options with local market expertise and community values.
How do I file a claim?
Report claims through our Service Center portal, client login, or by calling our main office directly. Our team prioritizes prompt assistance during claim resolution.
Do you serve areas beyond Virginia and North Carolina?
We primarily serve Virginia and North Carolina residents through our four office locations, but can assist remote clients with certain policy types.
Can I manage policies online?
Yes - access our Client Portal to pay bills, request policy changes, submit claims, and access auto ID cards or insurance certificates 24/7.
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Reviews (6)
Mahmud Musa Kagarko
Dec 27, 2021
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Kevin M. James
Jun 01, 2021
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I was shopping for a Surety Bond and Garage Insurance and was referred to Watkins Insurance Agency by a mutual friend of Pat Olmert. I had very little knowledge about either but Pat made me feel right at home and was able to very quickly and clearly answer all of my questions. During the process I also interacted with Beverly, Louise, and James. All were very professional, super thorough, and quick - they were a real pleasure to work with! I had such a good experience I moved my personal auto, renter's insurance, and life insurance to Watkins. I highly recommend you do the same.
Bill Vaughn
Apr 30, 2021
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I do not normally give reviews, but making an exception here because out Watkins Agent, Ashley, is superb. Always friendly, always on top of everything and quick to respond. Thanks, Ashley!
Jessica Wright
Feb 01, 2021
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Watkins Insurance Agency is by far the best insurance agency we have ever dealt with. My husband and I have been clients of Watkins for almost 4 years. Everything we’ve ever had to do with insurance has been seamless. We recently renovated our house and when that process was finished, it resulted in a lot of changes and updates to our insurance policies. Ashley worked with us every step of the way to make sure all necessary changes were completed. Bob also spent time on the phone with me to make sure we had everything we needed in our new Homeowner’s policy. When we thought we had everything
Jonah Pollone
Jun 07, 2020
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I worked directly with Pat Olmert on a recent deal. Pat and the team at Watkins Insurance Agency were essential in helping one of our customers secure the correct insurance for a business acquisition. Throughout the entire process, Pat and his team worked diligently to advance through hurdles. Pat is solutions-oriented and a go-getter - I would highly recommend his services.
Bobby Ferrel
Nov 17, 2018
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We use Watkins for all of our commercial insurance and they are outstanding. Pat is very attentive and the office staff handles all of our questions and claims in a timely and efficient manner. we highly recommend them!
