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About Us

Who We Are….

Breeden Insurance Services, Inc is an independent insurance agency that was formed in 1963, and assumed ownership by the Breeden Family in 1967. We are focused on clients throughout North Carolina and the Southeast.

Breeden Insurance is made up of 25+ insurance professionals, providing specialized services in all lines of insurance, bonds and employee benefits for a variety of clients, both large and small. We work on thoroughly evaluating your needs and finding a company that offers you the best possible coverage for the lowest possible cost.

Breeden Insurance is licensed as an agent with over a dozen major insurance companies, and has broker access to hundreds of other carriers, as well as, Lloyds Correspondents and Brokers. We represent only insurance companies that possess superior services, competitive rates, and financial strength. These companies are exceptionally reputable and have been carefully selected to tailor to the needs of our clients.

What We Will Do For You…

  • Help you and your staff to identify exposures to loss.
  • Develop insurance programs, where appropriate, to insure against the exposure to loss.
  • Implement risk management techniques to transfer risks where possible and practical.
  • Design a loss control program for your business by working in partnership with the loss control department of your insurance company.
  • Negotiate with the selected insurance company to acquire favorable coverage terms, premiums, and conditions.

Why We Do It Better…

We are independent agents and brokers that represent our clients and not any one insurance company.

We have many companies to select from in order to provide you with the best combination of premium and coverage and tailor an insurance program that best fits your needs.

Our office staffs insurance professionals that are ready to provide you and your business with the services required by you in a timely manner.

We make every attempt to achieve and maintain knowledge of industry trends, legal decisions, and contracts. We understand that your policy is a legal contract, and ensure that the interpretations of those contracts are in your best interests.

All customer service representatives are licensed agents, and the majority of agents have one or more insurance designations.

We maintain a network of specialists from both insurance companies and the private sector to aide in managing your business and risk management needs.

We strongly believe in access to our brokers and customer service agents. We maintain a website, toll free phone access, email, and 24 hour claim reporting. We are available when you need us.

Contact Us

If you have any questions or would like more information about our agency, contact us by email, call us at 800-603-4065 or write us at P.O. Box 2137, Lexington, NC 27293.

An Independent Advantage

We are Independent Agents in Lexington, North Carolina, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Breeden Insurance Services, Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.