Why Choose Us

There’s something special about a company that continues to thrive after 4 generations and 97 years.

insurance agent Wilmington NC

  • ExpertiseOur professionals know the businesses, industries, and locales they serve inside and out. And we put that knowledge to work for you.
  • Freedom to ShopWe represent many insurance carriers – this means we can find you the best rate by shopping around for you based on your needs and wants.
  • 24 Hour AccessNeed a policy copy at midnight, Some content for your safety meeting, or need to request a policy change? Access us 24 hours a day.
  • Years Of ExperienceMany of our staff have been with us for 25+ years, with an average tenure of 10 years. We know this business and will be your trusted advisor.
  • CommitmentWe get to know your goals as if they were our own – and we will do everything we can to help you achieve them.
  • OpennessWe know that open communication is the best way to make great things happen for the customers we work with.
  • FlexibilityPlans change, conditions fluctuate and new risks appear. We are always looking ahead, anticipating and adapting so that our clients can take on every opportunity.
  • GenerosityA big part of the Wells Way involves giving time and resources to our community. We know it’s the right thing to do and it’s a part of our culture.

Company Profile

Here at Wells Insurance, in Wilmington, Wrightsville Beach and Southport, NC and in Myrtle Beach, SC, our fast-growing, agency—one of the largest in its region—takes our commercial, personal, marine insurance and employee benefits customers into the cutting edge of 21st century protection.


Our 4th generation privately-owned agency was founded in 1920 by Harold W. Wells Sr.   His son, Harold W. Wells Jr., joined his father’s firm in the 1930’s and remained active until 1970’s. From the 1960’s through the 2000’s, third generation Harold W. Wells III led the helm. Today, Harold serves as Chairman while sons Harold “Hal” Wells IV and Steve Wells serve as co-presidents and CEO/COO respectively.


With four distinct pillars of focus, Wells Insurance serves nearly every niche in the insurance business. Personal Insurance covers your home, auto, life insurance, healthcare and other personal needs. Our Commercial Lines of insurance cover a huge range of industries from small businesses to game-changing heavy-hitters with thousands of employees in almost every state in the US. Our Employee Benefits division serves the needs of employer-covered healthcare and supplemental coverage. And our Marine Insurance division covers everything from small boats, to yachts, to commercial vessels.


In addition, as an Independent Agency, we are not limited to just representing one carrier, like many of the online or national brands are. What this means for you is our ability to quite literally shop the whole insurance market, to find you the right carrier(s) and the right coverage to suit your individual needs, saving you time, stress, and money.


Today, Wells Insurance is one of the largest and most established insurance agencies in North Carolina, with 4 offices and over 75 staff representing numerous national and regional carriers and providing carefully crafted coverage to individuals and corporations in 48 states, and with cooperating agencies across the world, through our partnership with Assurex Global.

Why Choose Wells Insurance?

We get asked this a lot – And with a 95% referral rate from our clients, we know what you are looking for. (Click the “+” signs to learn more…)

We understand your business, and find the best rates for the best coverage.

Because we are a full-service insurance brokerage, and not just representing one specific carrier, we have your best interests at heart. We know which carriers are best suited for prime coverage and rates for your specific industry. We shop our portfolio of dozens of carriers and pick and choose the right options to give you a customized coverage plan that is best in class and tailored specifically for your unique needs. The fact is, you can not get this from a single carrier company and it’s why for almost 100 years we continue to grow and retain our raving client base.

We will be there when you need us, and we are committed to you for decades.

We have served residents and companies in this area for 97 years. It would be difficult to find anyone who has deeper personal connections to our portfolio of carriers than the team at Wells. These personal relationships give our clients a huge advantage when it comes to negotiating prices, and coverage. Our Employees have been with us on average for 10 years and counting and we have individual account managers who will be your trusted advisor every step of the way, and they will know you by name. You will never be just a number with us.

We think of the things that you might miss

Our knowledge in a wide range of businesses is unsurpassed; and with our account managers who specialize in specific fields of business, you benefit from the decades of experience our insiders have into your unique business needs. We know what gaps to look for in your existing policy and how to ensure you are best covered when creating a new policy. So many other brokerages simply don’t make the time for these extra steps for you. The choices we make now, literally pay-off huge for you in the long run.

Ultimately, we can make your life easier.

Insurance and risk management can be complex topics. Not only are the options overwhelming, but as you grow, it can be a challenge to keep protection at the front of your mind. We can help in every area, by offering free information on safety meeting topics, print materials, education for employee benefits, and even tips on preventing problems with your home. You have enough on your plate, without thinking about overhauling your insurance- let us work for you and make your job easier. As a trusted partner for 97 years, this is why we consider The Wells Way, The Right Way.

Giving Back

A big part of the Wells Way involves staying heavily involved with and regularly volunteering time and resources to our community. Through regular food bank donations, blood-drives, paid volunteer time for our staff and other financial support, the Wells Insurance team invests in making our towns stronger, healthier and more vibrant. 

    Looking for better protection?

    If the Wells Way resonates with you, let us take a look at your existing policy and find ways to save you money and improve your coverage!