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Car Insurance, Home & Renters Insurance, and Business Insurance
In Charlotte, Gastonia, Shelby, Belmont, NC, Columbia & Rock Hill, SC, and the Surrounding Areas

Watson Insurance Agency

Your trusted independent insurance agency for 85+ years.

When Watson Insurance Agency opened in 1934, Thomas Craig Watson, Sr. had a vision of a full-service agency that provided effective risk management and comprehensive insurance solutions, backed by building trusted relationships. 85+ years and three generations later, we are proud to uphold this same vision.

As one of the largest independent agencies in the Southeast, we take pride in having a team of leaders in the industry. We are focused on being at the leading edge of the changes in technology and the insurance world, providing you with online policy management and claims services.

A one-size-fits-all approach doesn’t apply when it comes to insurance, which is why you’ll always get our undivided attention. Here at Watson Insurance Agency, we take a proactive approach when helping you develop a strategy to address all your insurance needs. Are you ready to protect what’s important to you? Get in touch with us today to get started.

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As an independent agency, we are here to help you find the right coverage.

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Watson Is Here for You

We are committed to protecting what’s important and helping you navigate these uncertain times. You can count on us to serve your needs across North Carolina and South Carolina.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Insurance That Protects What’s Important

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Watson Insurance Agency does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.
400+ 5-Star Reviews
Read some of our reviews to see why our clients choose Watson Insurance Agency.

Real clients. Real reviews. Real coverage.

“We have looked to Watson for our insurance needs for 20+ years. The Watson staff have always been friendly and helpful and have earned my trust over the years.”

– David Franklin
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4 offices. 2 states. 1 mission.

With four convenient offices across North Carolina and South Carolina, we are proud to protect what’s important to our clients and our communities.

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The Watson Way

Since 1934, we’ve held true to our founding traditions, and we continue our dedication to the needs of our clients and our community.

Here for You

We are dedicated to serving our clients and our communities, because we truly care about helping you protect what’s most important to you.

Our Purpose

We take a team-oriented approach to helping you with a wide variety of needs as you navigate the complex world of insurance.

Find Your Fit

Experience the benefits of working with an agency that has a diverse team with differing educational interests, experiences, and strategies.

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Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

Life Insurance 101

Make sure you cover the unique risks you face with life insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Watson Insurance - Home, Business, & Auto Insurance in Charlotte, NC & Columbia, SC

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