Charlotte roots. North Carolina reach.

North Carolina Business & Personal Insurance.

For the business you’re building. The home you’ve made. And everything that comes next. Independent advice from people who get to know you.

185+ five-star Google reviews for O'Connor Insurance Associates
Charlotte, North Carolina skyline seen from a city park

Charlotte, North Carolina

Family-owned. Personally invested.

Since 2000

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Independent advice

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Personal relationships

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Coverage that grows with you

A family business. In your corner.

We built our agency around relationships.

Terry and Michelle O’Connor started this agency in January 2000 with a simple belief: people deserve to understand the insurance they’re buying.

Today, that still shapes the way we work. We ask questions. We explain your options in everyday language. And we stay part of the conversation as your family, your business and your plans change.

Why work with us?

More understanding.

Less second-guessing.

Good advice begins with listening.
Here’s what that looks like at O’Connor.

01

We ask more.

Your work, your property and your priorities are the starting point—not a preset package.

02

We explain clearly.

You deserve to know what you’re choosing, what it means and what questions to ask.

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We bring choices.

As an independent agency, we can explore options from more than one insurance company.

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We stay involved.

From policy questions to changing needs, a lasting relationship matters to us.

People you can get to know

Meet the people in your corner.

Terry O'Connor, CIC, President and Founder

Terry O’Connor, CIC

President & Founder
Meet Terry ↗
Michelle O'Connor, Co-owner

Michelle O’Connor

Co-owner
Meet Michelle ↗
Steve Wescoe, Client Experience Manager

Steve Wescoe

Client Experience Manager
Meet Steve ↗
Kimberly Fox, Commercial Lines Operations Leader

Kimberly Fox

Commercial Lines Operations Leader
Meet Kimberly ↗
Jessica Neilsen, Commercial Account Executive

Jessica Neilsen

Commercial Account Executive
Meet Jessica ↗
Robert Adler, LUTCF, Life and Senior Market Specialist

Robert Adler, LUTCF

Life & Senior Market Specialist
Meet Robert ↗

Recognition

Recognized for doing things the right way.

Independent industry groups have recognized our agency, and our people, for the standard of service we bring to North Carolina families and businesses.

IIABA Best Practices Agency badge

Since 2010

Best Practices Agency

O’Connor Insurance Associates is proud to be named a Best Practices Agency by the Independent Insurance Agents & Brokers of America (IIABA) every year since 2010.

IIANC Agent of the Year 2025 award

2025

Michelle O'Connor, 2025 IIANC Agent of the Year

IIANC Agent of the Year

Michelle O’Connor received the Agent of the Year Award from the Independent Insurance Agents of North Carolina (IIANC) in 2025.

Relationships are the real measure

What our North Carolina clients say.

5.0 / 5

185 reviews on Google

Personal insurance

For the life you’re making.

Your home, your car, your time away. Let’s look at the whole picture.

Home

A place of your own deserves a thoughtful look at coverage.

Auto

Understand your options before you get behind the wheel.

Umbrella

Explore an extra layer of personal liability protection.

Flood

Talk through water risks that need a separate conversation.

Condo

Make sense of your unit’s coverage and your association’s policy.

Boat

Enjoy time on the water with coverage in mind.

Business insurance

For the business you’re building.

From established local companies to growing teams, we help make the coverage conversation clearer.

General Liability

Start with the risks your day-to-day operations can create.

Business Owners

Review property and liability needs together.

Workers Compensation

Help protect the people who keep your business moving.

Commercial Auto

Coverage conversations for your vehicles and drivers.

Commercial Property

Consider the building, equipment and inventory you rely on.

Cyber Insurance

Explore protection for the digital side of your business.

Your work deserves a closer look

Different businesses.
Different conversations.

We take time to understand what happens in your business every day.

Landscaping crew trimming hedges at a North Carolina property

Landscaping

Your crews, equipment and the properties you care for.
Explore your industry ↗
Machinist operating a CNC workstation in a North Carolina manufacturing shop

Manufacturers

From the shop floor to the products you ship.
Explore your industry ↗
Technology team collaborating around a desk

Technology Companies

For the platforms, people and data your business runs on.
Explore your industry ↗
HVAC technician servicing a residential condenser unit

HVAC Insurance

For the techs, vans and installs that keep homes comfortable.
Explore your industry ↗
Electrician servicing a residential electrical panel

Electricians Insurance

Protection for every job, every crew and every connection.
Explore your industry ↗
Quality inspection on a food and beverage bottling line

Food Manufacturers

For the recipes, equipment and brands you’ve worked to build.
Explore your industry ↗

Here’s how we work

A thoughtful process.
A more confident decision.

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Tell us your story

We ask about what you own, what you do and what’s changing.

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Explore your options

We look at available coverage with your priorities in mind.

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Understand your coverage

We explain the choices so you can make an informed decision.

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Keep the conversation going

When life or business changes, we’re here to help you review.

Independent means options

We work with insurance companies so we can help you consider coverage that fits your needs.

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A little clarity goes a long way

Good questions.
Straight answers.

Have something else on your mind?

  • What does an independent insurance agency do?

    An independent agency helps you compare options from more than one insurance company. We start with your needs, explain the differences and help you make an informed decision.

  • What can O’Connor help me insure?

    Our team works with personal and business insurance, life and disability coverage, and Medicare options. Tell us what you need, and we’ll connect you with the right person.

  • Where does your agency serve clients?

    We are based in Charlotte and serve clients across North Carolina. If your business operates in more than one state, call us to discuss your locations and coverage needs.

  • How do I get an insurance quote?

    Start with the contact form or call 704-510-8884. We’ll ask about your situation and any current coverage, then review available options. Submitting a request does not bind coverage.

  • Can you help with an existing policy or claim?

    Yes. Our Client Center page connects you with policy service, billing and claims options. You can also call during office hours for help finding the right next step.

  • What should I know before switching insurance?

    Compare coverage, limits, exclusions and effective dates, not just the price. Speak with your agent before canceling an existing policy so you can coordinate the transition.

From our desk to yours

A little knowledge goes a long way.

House framing under construction, illustrating North Carolina general contractor license requirements

North Carolina General Contractor License Requirements Explained

by Michelle O'Connor • 2 November 2026
What North Carolina requires for a general contractor license: the Licensing Board threshold, financial requirements, exams, and insurance.
Small Charlotte office with client files and a server cabinet, subject to the North Carolina data breach law

North Carolina Data Breach Notification Law: What Businesses Must Know

by Michelle O'Connor • 2 November 2026
What North Carolina's Identity Theft Protection Act requires of businesses after a data breach, including notice deadlines and cyber insurance.
Warehouse loading dock with forklift in North Carolina, illustrating workers comp experience mods in North Carolina

How Does a Workers Comp Experience Mod Work in North Carolina?

by Michelle O'Connor • 2 November 2026
How the NC Rate Bureau calculates your North Carolina workers comp experience mod, why one claim can raise premiums for three years, and how to bring it down.

For the chapters ahead

Life, health and a little more clarity.

Planning for your family’s future or exploring Medicare? Our life and senior market specialist can help you understand the available options.

Map of North Carolina highlighting Charlotte

Our home in Charlotte · Here for North Carolina

Local roots. Statewide relationships.

Proudly serving
North Carolina.

Your state. Your neighbors.
Your insurance specialists.

From the mountains to the Piedmont and the coast, North Carolina is home. Based in Charlotte since 2000, our family-owned team helps families and businesses across the state make sense of their insurance.

We bring a local perspective to your home, your business and the plans you’re making—with independent advice and people you can call by name.

Get a Quote

Let’s protect what you’re building.

Tell us a little about yourself. We’ll help you take the next step with a clearer picture of your options.

1973 J.N. Pease Place, Suite 203
Charlotte, NC 28262

Monday–Thursday · 9 AM–5 PM
Friday · 9 AM–3 PM

Contact Us