Protecting Families and Businesses as Far as the Knob Can See Since 1973

Simmons Insurance Agency, Inc. is here for you when you need us.

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Two Locations

We have two conveniently located offices in Pilot Mountain, NC, and Mount Airy, NC, to serve our clients throughout North Carolina and Virginia.

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Simmons Insurance Agency, Inc.

Learn more about our agency.

We are a local, family-owned independent insurance agency with one goal—helping you find the right coverage to meet your needs. The risks you face are unique and ever-changing. That’s why we base our business on forming long-term relationships with our clients so we can be there for them in the long run. Through good days and bad, we’ll be here.

With our focus on building relationships, comes our focus on offering you the right coverage at the right price for your needs. We do this by working with several top-rated insurance carriers to bring you a range of options to choose from. Together, we can help you find coverage that’s customized to you so you can feel secure knowing what matters to you most is protected.

Who We Are
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Meet Our Owner

Pam Morgan is the second-generation owner of Simmons Insurance Agency, Inc. On top of her years of insurance experience, she is also a long-time member of Business Network International, and she was named Woman of the Year for the Granite City Chapter of the American Business Women’s Association in 2019.

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Agribusiness Solutions

Farmers and other agribusinesses are the backbones of our society, producing the food we need to live every day. We’re here to return the favor and help you protect your livelihood.

Livestock Mortality
Winery and Vineyard
Poultry Farm
Equine Facility and Liability
The Independent Advantage

What Makes Our Independent Agency Different?

  • 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.
Find Out How


We are a bilingual agency, speaking Spanish in order to serve you and your needs better.


Two generations of our family have worked in our agency, and we bring that personal touch to your service.


Our agency was founded over 48 years ago, and our staff have over 50 years of combined experience.

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

ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.


If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.


To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.


Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.


Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.


It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?


A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.


To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.


To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?


You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.


Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.


Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

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  • Get the right coverage.
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