About us
Independent by choice. Personal by nature.
Terry & Michelle O’Connor
Charlotte, North Carolina
A family business. In your corner.
A local beginning.
A lasting commitment.
O’Connor Insurance Associates began in January 2000. Terry and Michelle built a family business around personal service and relationships that last beyond a single policy.
Today, our Charlotte team brings that same attention to conversations with businesses, homeowners and families across North Carolina. We want you to understand your options and feel comfortable asking questions.
Being independent gives us room to consider more than one insurance company. Being local keeps the conversation personal.
What guides us
Start with people.
Make insurance clearer.
Listen first
A useful recommendation begins with understanding your priorities, your work and the changes ahead.
Explain the choices
We believe the coverage conversation should leave you with a clearer picture of your options.
Stay connected
Questions do not end when a policy begins. Our team remains a point of contact as your needs evolve.
People behind the promise
A team you can get to know.
Recognition
Recognized for doing things the right way.
Independent industry groups have recognized our agency, and our people, for the standard of service we bring to North Carolina families and businesses.
Since 2010
Best Practices Agency
O’Connor Insurance Associates is proud to be named a Best Practices Agency by the Independent Insurance Agents & Brokers of America (IIABA) every year since 2010.
2025
IIANC Agent of the Year
Michelle O’Connor received the Agent of the Year Award from the Independent Insurance Agents of North Carolina (IIANC) in 2025.
Rooted here
Part of the Charlotte community.
Our lives extend beyond the office. Terry’s interests include hunting, fishing and coaching wrestling, and the family’s connection to Charlotte is part of the agency’s story.
We serve people who are building businesses, caring for families and planning what comes next. Those everyday commitments shape the way we work.
Relationships are the real measure
What our North Carolina clients say.
5.0 / 5
185 reviews on Google
A little clarity goes a long way
Good questions.
Straight answers.
Have something else on your mind?
What does an independent insurance agency do?
An independent agency helps you compare options from more than one insurance company. We start with your needs, explain the differences and help you make an informed decision.
What can O’Connor help me insure?
Our team works with personal and business insurance, life and disability coverage, and Medicare options. Tell us what you need, and we’ll connect you with the right person.
Where does your agency serve clients?
We are based in Charlotte and serve clients across North Carolina. If your business operates in more than one state, call us to discuss your locations and coverage needs.
How do I get an insurance quote?
Start with the contact form or call 704-510-8884. We’ll ask about your situation and any current coverage, then review available options. Submitting a request does not bind coverage.
Can you help with an existing policy or claim?
Yes. Our Client Center page connects you with policy service, billing and claims options. You can also call during office hours for help finding the right next step.
What should I know before switching insurance?
Compare coverage, limits, exclusions and effective dates, not just the price. Speak with your agent before canceling an existing policy so you can coordinate the transition.
A conversation, not a commitment
Let’s protect what you’re building.
Tell us a little about yourself. We’ll help you take the next step with a clearer picture of your options.
1973 J.N. Pease Place, Suite 203
Charlotte, NC 28262
Monday–Thursday · 9 AM–5 PM
Friday · 9 AM–3 PM
