Protecting the Charlotte Community for Over 70 Years

We take pride in shielding you from the ever-changing phases of life.

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Hutch Ham Agency, Inc. has been serving insurance solutions to Charlotte, NC, for well over seven decades. In 1949, Joseph Hutchinson Ham, Jr., better known as “Hutch,” established the agency to gain an independent advantage against its most significant competitors.

The advantages of an independent agency allow our agents to source the best possible coverage at the most reasonable price because we represent many quality companies that enable us to leverage these benefits. Insurance alone only gets you so far. That’s why having the right insurance advisor and advocate by your side is essential. Read more about us!

  • Our team of agents are experts in protecting you.
  • We offer quality coverage in business and personal insurance.
  • Our agency was established in 1949.
  • Our goal is to provide educational, convenient, and quick service.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

We have over 45 5-star Google reviews.

Check out our reviews and see why you should switch to Hutch Ham Agency, Inc.

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I have worked with Hutch Ham for over five years and they are top-notch! April has been amazing to work with. Her customer service is far superior to any other company I have ever worked with.

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

Technology Firm

Commercial General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to property damage, bodily injury, personal injury, and more.

Solution

General liability insurance is an absolute necessity for your technology business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Professional Liability

Risk Factor

As a company providing emerging technology products and support, you are susceptible to unique exposures and potential lawsuits either by not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Solution

Professional liability insurance protects you and your business from potentially catastrophic litigation caused by charges of professional negligence or failure to perform your professional duties. This might include errors and omissions resulting in loss of client data, software or system failure, claims of non-performance, or negligent oversell.

Commercial Property

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your technology business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Systems Breakdown / Inland Marine

Risk Factor

Computers, phone systems, steam boilers and other equipment are susceptible to exposures not normally covered under your basic policy. While repairs are being made, you can lose valuable time and suffer diminished profits. More often than not, business interruption, extra expense and recovery costs can outweigh the damage to the equipment itself.

Solution

Systems breakdown insurance can cover more than the cost to repair or replace your equipment. It can cover lost income if you need to temporarily shut down, the extra expenses needed to continue running your business while equipment is being fixed or the losses and expenses your business may incur if normal operations are interrupted by an off-site equipment-related failure.

Business Income

Risk Factor

What would you do if a pipe leak impacted the operation of your business and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy.

Workers' Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto

Risk Factor

As a technology business, you have many exposures associated with your business vehicles, whether they are owned or leased. With a fleet of cars, trucks, vans or other types of vehicles used in the course of business, a single accident can potentially put your technology business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your technology business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance

Risk Factor

Losses and lawsuits are quite common in business and settlements can be substantial. If your technology business is found to be responsible for damage or injury to a third party, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella or excess insurance policy, which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, and business auto insurance. It provides a great safety net and helps ensure your technology business is well-protected.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers. If this information is lost, stolen, or compromised, your company is at risk. In fact, you may even be required by law to alert those impacted by the breach and to pay for any financial loss incurred.

Solution

Cyber liability coverage offers protection due to unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your business.

Technology Firm Insurance 101

Make sure you cover the unique risks you face with technology firm insurance.

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What Makes Us Special

The Hutch Ham Agency, Inc. Difference

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We give back to our community and get involved with the charities we support.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

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  • 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.

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How can Hutch Ham Agency, Inc. help?

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Charlotte, NC

1230 West Morehead Street, Suite 306
Charlotte, NC 28208

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