Business Details
50+ Years
experience
Your Trusted Insurance Partner in Charlotte, NC
Hutch Ham Agency has been safeguarding the Charlotte community for over 75 years. Established in 1949 by Joseph Hutchinson Ham, Jr., our independent agency specializes in delivering tailored business and personal insurance solutions. By representing multiple quality insurance providers, we leverage competitive advantages to secure optimal coverage at reasonable rates. Our experienced team prioritizes client education, convenience, and rapid service, ensuring clients receive comprehensive protection against evolving risks. We distinguish ourselves through community engagement, personalized advocacy, and a commitment to exceeding expectations in every client interaction. 
Services
Business Owners Insurance
General Liability Insurance
Commercial Umbrella Insurance
Technology Firm Insurance
Restaurant Insurance
Home Insurance
Auto Insurance
Umbrella Insurance
Renters Insurance
Watercraft Insurance
Details
- Year established: 1949
Highlights and features
- We offer 75+ years of insurance expertise in Charlotte
- Our independent agency represents multiple insurance providers
- We provide personalized policy recommendations and service
- 24/7 client center for policy management and claims support
- Community-focused approach with local market knowledge
What people say
Top-notch
Amazing customer service
Superior to other companies
Services
Business Owners Insurance
Our Business Owners Insurance packages combine property, liability, and business interruption coverage to protect Charlotte-area companies. This comprehensive solution safeguards against common risks while providing financial security during unexpected disruptions, ensuring business continuity for local enterprises of all sizes.
General Liability Insurance
General Liability Insurance covers property damage, bodily injury, and personal injury claims arising from business operations. Essential for technology firms and restaurants alike, this coverage provides defense against lawsuits and financial protection for third-party claims occurring at your business location or through your services.
Technology Firm Insurance
Specialized Technology Firm Insurance addresses unique risks faced by IT businesses, including cyber liability, professional errors, and equipment breakdowns. Our policies protect against data breaches, software failures, and technology-related disruptions while covering legal defense costs and potential damages from service interruptions.
Home Insurance
Home Insurance policies protect Charlotte homeowners against property damage from fire, theft, and natural disasters. Coverage includes dwelling protection, personal property replacement, and liability coverage for accidents occurring on your property, with optional endorsements for valuable items and specific risks.
Auto Insurance
Auto Insurance provides financial protection against vehicle-related incidents including collisions, theft, and liability claims. Our policies offer customizable coverage options for personal and business vehicles, with features like roadside assistance, rental reimbursement, and uninsured motorist protection tailored to North Carolina drivers.
Questions
What types of insurance do you offer for technology businesses?
We provide comprehensive Technology Firm Insurance covering cyber liability, professional errors/omissions, equipment breakdowns, and business interruption risks specific to IT companies.
Can I manage my insurance policies online?
Yes, our 24/7 Client Center allows policyholders to review coverage, file claims, request certificates, and make payments securely from any internet-connected device.
How do I file a claim with Hutch Ham Agency?
Contact our office directly at 704-525-6016 or use our online Client Center to initiate a claim. Our team will guide you through the documentation process and coordinate with insurers.
Do you offer insurance for restaurants?
Yes, we provide specialized Restaurant Insurance covering property damage, liability claims, equipment breakdowns, and business interruption specific to food service establishments in Charlotte.
What sets your agency apart from other insurance providers?
As an independent agency with 75+ years of local experience, we offer multiple carrier options, personalized service, and community-focused support that national insurers cannot match.
How can I get a personalized insurance quote?
Contact us through our website or call 704-525-6016 to schedule a consultation. Our agents will assess your specific needs and provide tailored coverage recommendations.
Reviews (6)
Libby Lucas
Jan 16, 2022
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Outstanding customer service is the norm at Hutch Ham! You always get a real person on the phone when you call. I highly recommend these insurance professionals!
Michael S. Egan
Dec 05, 2021
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It is great doing business with Martin at Hutch Ham. He always gets my company the best coverage at the best rates. He always returns calls quickly.
Kathy Karmondy
Nov 23, 2021
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Wonderful experience. I was confused and unsure and April patiently explained everything. I have a 4x better policy for auto and it ended costing less than our current policy. I cannot say enough about how pleased I am to have moved all of our insurance needs to Hutch Ham.
Steven & Tiffany Lee
Sep 09, 2021
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Between our family business any my husband's other business, we have two commercial accounts through this agency. They also handle all of our personal needs.they are just fantastic! My father has been doing business with them a long time, and we continued after he had such great experiences. We are treated with prompt courtesy at all times, no need to try anywhere else!
Teresa Wright
Nov 11, 2020
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I have been doing business with Brenda B. since I was 16 yrs old which is around 3 decades. She now is my "insurance grandma" as my dad and other family members have done business with Brenda at Hutch Ham for years before me. I can not express how much I appreciate having a trustworthy and respectable relationship with this agency.
William Thorpe
Nov 09, 2020
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Have dealt with Hutch Ham Agency since 1966 with great service, pricing and products. Hutch, Mike, April and Brenda have been the greatest. Can always trust that they will do what say! They have been servicing my insurance needs both Business and Personal for over Fifty Years! Not common this day and age!
