Founded in 1987 we specialize in meeting the needs of the people and businesses of central Virginia. From basic business liability to insuring taxi fleets, we provide businesses in Central Virginia with the protection your business needs. We specialize in meeting the needs of the people and businesses of central Virginia. While we can often get you the lowest possible price we are equally focused on getting to know you and helping you make the right insurance choices. Independent insurance agents are not employed by any insurance company, nor are we contractually obligated to any one insurance company.
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Services
Auto
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Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident. Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident. Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.
Property
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Commercial Property - insures a commercial building and/or business property that you own. Other Structures - This includes other buildings on your property that are not attached to the main building such as a detached garage or storage building but could also be a fence or swimming pool. Contents - This includes furniture, appliances, clothing, rugs and lawn equipment that are not attached to but are contained in the building on your property.
Health & Life
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PPO (Preferred Provider Option) policies - these policies generally have a doctor's office copay provision and a calendar year deductible for expenses incurred outside the doctors office. They often include a prescription drug card. H.S.A's (Health Savings Accounts) - these policies provide coverage after you pay the calendar year family deductible.
Weddings & Events
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Cancellation/Postponement - Can provide coverage for certain deposits listed in the policy in the event of a necessary cancellation or postponement of the wedding/event. For example, if the venue suddenly goes out of business and is inaccessible or sudden illness prevents the honorees, parents, grandparents or children of honorees from attending, or an honoree is expectantly called to duty, this coverage can reimburse you for the deposits lost. Lost Deposits - Can provide coverage if a vendor goes out of business, declares bankruptcy before your event, or simply fails to show up.
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