Hutch Ham Agency, Inc.
  • Business
  • Home
  • Auto
  • Life
This badge signifies we are a Trusted Choice agency. As a Trusted Choice agency, we understand your needs as a member of your local community. We use our broad market access to provide you with choices and are committed to offering you expertise, guidance, and tailored service for years to come.

Hutch Ham Agency, Inc.

Independent Insurance Agent in Charlotte, NC

About us

Protecting the Charlotte Community for Over 70 Years

Our goal is to make the process of obtaining insurance as easy and hassle-free as possible. We Put Clients First As a trusted insurance agency in Charlotte, NC, we believe in going above and beyond to get our clients the coverage they need. No matter your background or circumstances, we strive to make the insurance application process as simple as possible, and our dedicated team members are always on hand to offer support along the way.

Whether you need Life, Health, Home, Auto, Commerical Insurance, Financial services, Watercraft, Recreational vehicle, Boat, Motorcycle/ATV, Renters, AirBnB, Landlord, Final Expense, Annuity, Cannabis Dispensary/Hemp Dispensary, Tabacco shop, CBD store, Day Spa, Church, Daycare Center, Hotel, Motel, Hospital, Auto Dealership, Brewery, Liquor Libility Insurance, Bond Insurance, Contractors Insurance, Cyber Liability, Errors and Omissions, Restaurant Insurance, Deli, Habitational Insurance, Beauty & Barber Shop Insurance, Artisan Contractors Insurance, Construction Insurance, Coffee shop, Bakery Insurance, Bed & Breakfast Insurance, Catering, EPLI, Trucking, HOA Insurance, Lessors Risk Insurance, Wedding Insurance, Child Life Insurance, Valuable Possessions, Secondary Home, Flood Insurance, Earthquake.

Personal and Commercial Lines insurance professionals

Ask me about these types of insurance...

Having the right car insurance is so important, even more important is understanding all the ins and outs of your coverage to help protect you.

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Get multiple quotes on your homeowners insurance with one phone call. Let an independent agent shop for you.

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

An independent insurance agent will walk you through top umbrella policy options to make sure you have the proper coverage to tackle above and beyond claims.

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Why choose Hutch Ham Agency, Inc.

States we serve

  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Bonds
  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Life

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Agriculture, Forestry, Fishing and Hunting
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Health Care and Social Assistance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Mining, Quarrying, and Oil and Gas Extraction
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

AmWINS Group, Appalachian Underwriters, Applied Underwriters, Atlantic Cas Insurance Company, Auto Owners Insurance, Auto-Owners Insurance Company, Berkshire Hathaway GUARD Insurance Company, Burns & Wilcox, CNA Surety, First Benefits Insurance Mutual, Guard Insurance Group, Hagerty, Hull & Company, Kemper Independence, NCRB, National General Insurance (GMAC), Penn National Insurance, Penn-America Insurance, Philadelphia Insurance Companies, RPS, Tower Hill Preferred, Vindati

Hutch Ham Agency, Inc. Team

April Ham - General manager
April Ham
General manager
Michael Ham
Michael Ham
Martin Tivnan - Producer
Martin Tivnan
Elizabeth Van Auken - Customer Service Representative
Elizabeth Van Auken
Customer Service Representative
(704) 525-6016
Tonia Hubbard - Customer Service Representative
Tonia Hubbard
Customer Service Representative
(704) 525-6016

Hutch Ham Agency, Inc. Reviews

Average based on 14 reviews Leave a review

Customer Reviews

May 23, 2022

April was fantastic. She diligently obtained a competitive quote and was extremely responsive.

May 23, 2022

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.

May 23, 2022

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!

May 23, 2022

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!

May 23, 2022

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.

May 23, 2022

I have been with Hutch Ham for as long as I can remember. April Ham always does a great job for me. I rest easy knowing I have the most insurance for the least cost.

May 23, 2022

I have been a client for a very long time. The service has always been good. It seems to get even better every time I have to call.

May 23, 2022

Best customer service in any industry

May 23, 2022

We've used April with Hutch Ham for years. She provides prompt and effective service and we'd recommend her confidently.

May 23, 2022

Customer service is great and they give you honest advice!


Hutch Ham Agency, Inc.

Protecting the Charlotte Community for Over 70 Years