Business Details
31 Years
experience
Emergency
services
Trusted Insurance Services in Charlotte, NC
For over three decades, 1st Choice Insurance Advisors has provided personalized insurance solutions to families and businesses across the Southeast. As an independent agency rooted in Charlotte, we prioritize local knowledge and tailored service over one-size-fits-all policies. Our team of licensed advisors brings hands-on experience and direct access to top carriers, ensuring clients receive customized coverage aligned with their unique needs. We specialize in auto, home, workers' compensation, business, and specialty insurance products, with a focus on transparency and relationship-driven service.Our commitment to the Southeast community extends to understanding regional risks, from Charlotte's urban landscape to coastal and rural areas. By maintaining boutique-level service and avoiding call centers, we guarantee direct access to advisors who know clients by name. With competitive quoting, fast claims support, and annual coverage reviews, we aim to make insurance feel like a conversation rather than a transaction.
Services
Auto Insurance
Home Insurance
Workers' Compensation
Captive Insurance
Business Insurance
Details
- Year established: 1995
Highlights and features
- 30+ years of hands-on insurance experience serving the Southeast
- Local Charlotte agency with deep regional risk knowledge
- Independent advisors prioritize client needs over carrier quotas
- Direct access to licensed insurance professionals 24/7
- Fast, transparent service with annual coverage reviews
What people say
Excellent service
Great experience
Top notch
Highly recommended
Very responsive
Services
Auto Insurance
We provide customized auto insurance solutions for standard, luxury, and specialty vehicles across the Southeast. Our policies include liability, collision, comprehensive coverage, and roadside assistance with 24/7 support. With access to multiple top-rated carriers, we help clients find competitive rates while ensuring adequate protection tailored to their driving habits and vehicle value. Our local expertise ensures compliance with North and South Carolina regulations.
Home Insurance
Our home insurance policies protect primary residences, vacation homes, and high-value properties throughout the Carolinas. Coverage includes dwelling protection, personal property, liability, and loss of use with optional flood or windstorm endorsements. We specialize in tailored solutions for unique properties like Uptown condos, Fort Mill custom builds, and Belmont bungalows while offering bundling discounts for combined policies.
Workers' Compensation
We provide compliant workers' compensation insurance for businesses across North and South Carolina in construction, hospitality, healthcare, and other industries. Our services include competitive quotes from A-rated carriers, audit preparation, and fast certificate delivery. We help businesses of all sizes navigate state regulations while offering integration with payroll systems and Pay-As-You-Go plans.
Business Insurance
Our business insurance solutions protect companies across general liability, commercial property, cyber liability, and professional liability categories. We serve contractors, retailers, healthcare providers, and hospitality businesses with tailored policies that may include business owner's policies (BOP) or specialized inland marine coverage. Our local expertise helps clients navigate Southeast-specific risks while maintaining cost-effective protection.
Captive Insurance
We advise qualified businesses on implementing captive insurance strategies for greater control over risk management. Our services include feasibility analysis, carrier selection, and regulatory compliance guidance for single-parent or group captives. This solution suits businesses paying $100,000+ annually in premiums seeking customized coverage for unique risks while retaining underwriting profits.
People
Peter E Frank
President
With over 30 years of insurance experience, Peter leads our Charlotte team in delivering personalized coverage solutions. He specializes in connecting clients with tailored policies while maintaining direct client relationships.
David Lavelle
Vice President
David oversees our commercial insurance division, bringing expertise in business risk management and workers' compensation solutions across multiple industries in the Southeast region.
Trevor Pauldine
Commercial Insurance Producer
Trevor specializes in commercial insurance products, helping businesses secure appropriate coverage while navigating complex regulatory requirements specific to their industry operations.
Caroline Frank
Customer Service Representative
Caroline provides direct client support, handling policy inquiries and service requests with a focus on maintaining our boutique-level service standards for all clients.
Questions
What types of insurance do you offer?
We provide auto, home, workers' compensation, business, captive insurance, and specialty coverage for high-value items and collector vehicles across the Southeast.
Are you a local Charlotte agency?
Yes, we're based in Charlotte and have served the Carolinas for over 30 years with deep knowledge of local risks and insurance requirements.
How do you handle claims support?
We offer fast claims assistance with direct access to our team during business hours and coordinate with carriers for 24/7 roadside assistance services.
Can I get business insurance for a startup?
Yes, we help new businesses secure required coverage including general liability, commercial property, and workers' compensation tailored to their specific industry needs.
Do you offer specialized coverage for unique vehicles?
Yes, we provide collector car insurance with agreed value coverage, spare parts protection, and specialty roadside assistance for classic and high-value vehicles.
How do you ensure competitive rates?
As an independent agency, we compare multiple carrier options to find competitive pricing while maintaining appropriate coverage levels for each client's unique situation.
