Watkins Insurance Agency

For nearly a century, Watkins Insurance has been a steadfast guardian of financial well-being for individuals, families, and businesses across Virginia and North Carolina. Founded in 1924, our agency has grown from a single location to a network of offices, all driven by a commitment to traditional values: experience, choice, service, and community. We believe in forging lasting relationships with our clients, built on trust, transparency, and a deep understanding of their unique needs.

Our legacy is founded on four generations of dedicated insurance professionals who have consistently delivered comprehensive coverage and personalized service. We understand that insurance isn't just about policies; it's about providing peace of mind and financial security against the unexpected. That's why we go beyond simply offering products - we take the time to listen, understand your concerns, and guide you towards solutions that fit your specific circumstances.

Our Diverse Service Offerings

We pride ourselves on offering a comprehensive range of insurance solutions tailored to meet the diverse needs of our clients. Whether you're protecting your home, navigating the complexities of managing a business, or planning for your employees' well-being, Watkins Insurance stands ready to be your trusted partner.

Our personal insurance portfolio encompasses a wide spectrum of coverage options, including:

• Home Insurance: Safeguarding your most valuable asset from unforeseen perils like fire, theft, and natural disasters.

• Auto Insurance: Providing financial protection and liability coverage in case of accidents, ensuring you're equipped to handle the unexpected on the road.
• Watercraft Insurance: Protecting your boat or personal watercraft from damage or liability situations during recreational boating.
• Renters Insurance: Offering comprehensive coverage for your personal belongings and liability protection within a rented dwelling.
• Umbrella Insurance: Providing an extra layer of protection beyond your primary insurance policies, covering a wider range of potential liabilities.

Our business insurance solutions are meticulously crafted to address the unique challenges faced by entrepreneurs and corporations alike. We offer:

• Workers' Compensation Insurance: Compensating employees for injuries sustained on the job, protecting your business from costly claims and ensuring the well-being of your workforce.
• Business Owners Insurance: Providing a comprehensive package of coverages tailored to protect your business property, liability, and operations.
• Business Auto Insurance: Securing your commercial vehicles and protecting your business from financial loss due to accidents or damage.
• Commercial Bonds: Ensuring financial responsibility and guaranteeing the fulfillment of contractual obligations in business dealings.
• Cyber Liability Insurance: Safeguarding your business from the financial fallout of data breaches, cyberattacks, and other online threats.

We also understand the importance of comprehensive employee benefits in attracting and retaining top talent. Our employee benefits solutions encompass:

• Disability Insurance: Protecting your employees' income in the event of illness or injury, providing financial stability during challenging times.
• Employee Assistance Program (EAP): Offering confidential counseling and support services to employees dealing with personal or work-related issues, promoting well-being and productivity.
• Flexible Spending Account (FSA): Allowing employees to save pre-tax dollars for eligible healthcare and dependent care expenses, reducing out-of-pocket costs.
• Group Voluntary Benefits: Providing employees with access to a range of supplemental insurance options, such as life insurance, accident insurance, and critical illness insurance, catering to their individual needs.
• Group Health Insurance: Offering comprehensive health coverage to employees and their dependents, ensuring access to quality healthcare and financial protection against medical expenses.

Serving You With Integrity and Expertise

Our commitment to excellence extends beyond providing exceptional insurance solutions. We believe in fostering genuine relationships with our clients, built on a foundation of trust and transparency. Our team of experienced insurance professionals is dedicated to providing personalized service, guiding you through the complexities of coverage options, and ensuring you have the protection you need.

At Watkins Insurance, we understand that insurance can be complex. That's why we're dedicated to making the process clear, straightforward, and supportive. We take the time to listen to your needs, answer your questions, and customize solutions that fit your unique circumstances.

We're proud to serve clients across Virginia and North Carolina, and we're committed to being your trusted partner in protecting what matters most.