Unique solutions for unique exposures.

Sometimes your life or your business demands more. More options. More coverage. More expertise. Our solutions are driven by listening to you and finding unique solutions for your unique exposures.
Watkins Insurance Agency offers specialty insurance coverages to residents in Lake Gaston, Kerr Lake, Buggs Island Lake, South Hill, VA, Chase City, VA, Lunenburg County, VA and Raleigh, NC.
Watkins Insurance Agency offers specialty insurance coverages to residents in Lake Gaston, Kerr Lake, Buggs Island Lake, South Hill, VA, Chase City, VA, Lunenburg County, VA and Raleigh, NC.

Our insurance advisors have diverse backgrounds and decades of industry-specific experience, staying on the cutting edge of industry developments beyond risk and insurance. They’ve been there, managing the same kind of complex challenges you’re up against. So you can be confident you’re always working with someone who knows your world inside and out.

TotalEvent Insurance

A fully-integrated online proprietary system that gives you immediate access to the most convenient and cost effective method of quoting specialty event insurance.

Apartment and Habitational

Installers of burglar and fire alarms or central monitoring stations need to stay current with the latest security technologies to deliver quality installation and service to their customers. Let us you help protect your alarm contracting business with our Alarm Contractors Insurance Program.

Automotive

As a garage and auto body & repair shop owner, you require a specific insurance program that can effectively address the unique risks your business faces on a daily basis. We understand how important securing the best possible coverage  is and offer a comprehensive insurance program through one of our many carriers.

Bonds

If the contractor defaults, the surety company is obligated to find another contractor to complete the contract or compensate the project owner for the financial loss incurred. Our extensive knowledge and years of experience has led us to specialize in combating diverse risk exposures by providing unique products such as bonds.

Builders Risk

Builder’s risk covers perils such as fire, wind, theft and vandalism and many more. Let the Watkins Insurance Agency help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Builders Risk Insurance policy holders.

Contractors

As a contractor, you need liability insurance. Contractors insurance plans often provide some measure of general liability coverage. This mean that these plans help reduce the risk that your business will face costly lawsuits that could shutter its doors. Let us help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal.

Church

Operating a church or house of worship is a complex undertaking. You provide your congregation with spiritual guidance, peace of mind, community, and at times even a place to feel safe and protected. We’re here to help you with expert advice when you are considering church coverage.

ELPI

The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company is immune to such lawsuits. Recognizing that smaller companies now need this kind of protection, we provide this coverage as an endorsement to our Businessowners Policy (BOP).

Food and Beverage

Whether your food service business is a café, deli, diner or gourmet restaurant all food service businesses have certain risks in common. Your most cost effective and efficient way to obtain property and liability coverage will probably be with a Businessowners Policy (BOP) especially tailored to food service risks. Let us help protect you with the coverages you need.

Farm and Ranch

You need specific coverages when operating a farm or ranch. Some coverages include injury or illness resulting from ingesting your farm products or coverage in the event of accident or physical injury to anyone visiting your farm. We’re here to help when you are considering Farm & Ranch coverage.

Hospitality

The hospitality industry has unique insurance needs. If you own and operate a hotel, motel, or bed and breakfast, you need a unique hotel motel insurance that offers coverage for this specialized business. We will do this with a well thought out and executed business insurance policy designed just for our Motel/Hotel Insurance policy holder.

Manufacturing

As a manufacturer, you understand the importance of quality and reliability to deliver a product that will build customer loyalty and grow your business. With our insurance program, we believe in delivering excellent service and a quality insurance program, so you can stay focused on your business operations, knowing you have a strong insurance partner at your side.

Real Estate

Let the us help you understand and protect all of the risks you run and all of the perils your real estate business faces. We will do this with a well thought out and executed business insurance policy designed just for our Commercial Real Estate Insurance policy holders.

Retail Service

Our insurance program includes neighborhood grocery stores and convenience stores selling food and miscellaneous household supplies. These stores may include gas sales and/or one coin-operated, drive-through, automatic car wash bay. Protecting your grocery/convenience store with the appropriate types of business insurance coverage, you can rest assured that you are ready for whatever risks or hazards may come along.

Trucking

The transportation industry is the backbone of this country, making sure goods and people get from one point to another. We understand the importance of this industry to our economy and the exposures those in the various segments face on and off the road. We specialize in providing insurance programs for a variety of transportation businesses including public transport (buses, & paratransit) and commercial auto fleets.