UMBRELLA INSURANCE

Extra protection so you can move on.

An umbrella policy helps protect you against accusations of libel, slander, and invasion of privacy lawsuits as well as liability cases. This insurance provides funds to help you defend or settle such suits, thus protecting your assets and your family from the prospect of having to file bankruptcy if you would lose such a case.

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ABOUT

Personal liability insurance for the unexpected.

There's no denying that we live in a litigious society. What may be less clear is how vulnerable most of us are to a lawsuit due to our activities.

For example, if you volunteer at your local church or food bank, you might be sued if you're in an auto accident while driving for these causes. Do you sell crafts at local craft fairs? What would happen if someone was injured tripping over one of your displays? Extreme sports can also be risky and not just to your body. You might inadvertently cause a fellow hunter, skier, or motocross rider's injury.

In most cases, these types of cases are not covered under your homeowner's or standard auto insurance policies. That's where umbrella insurance comes in.

BENEFITS

Custom insurance plans
with great benefits.

Life insurance is not a "one-size-fits-all" product. In addition to personalized plans tailored to your particular needs, we also offer the following.

Caring Service

We're not an anonymous online insurance agency - we're Richmond area natives here to help protect the assets of our beloved neighbors and their loved ones

Competitive Pricing

We specialize in tailored insurance policies that protect our clients and their families. As an independent agency, we are able to do the "shopping around" for you to find the best coverage at the most competitive rate.

Trust & Protection

Our agents are licensed and go through rigorous training. Our office has a combined total of 110 years experience in the insurance industry. You can trust that you're in good hands with us.

Serving RVA for over 30 years

Founded in 1989, we've been serving the Greater Richmond area (and beyond!) with compassion and expertise for more than 30 years

Annual Reviews

Annual reviews are crucial to preventing vulnerabilities in your policy. We'll ask you about any financial or asset changes so you can rest assured your family is properly protected.

Responsive claims service

Even though you file your claims with the insurance carrier directly, we're here to guide you through every step of the process and fight on your behalf if it comes to that.

COVERAGE

What does life insurance cover?

Life insurance is not a "one-size-fits-all" product. In addition to personalized plans tailored to your particular needs, we also offer the following.

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Financial Security

Life insurance provides help to your loved ones when they can't rely on your income anym. beused to clear debts, pay off the mortgage or justeveryday expenses.

End of Life Expenses

Basic life insurance policies will cover funeral and other burial and preparation services.

Co-signed Debts

Even debts that aren’t co-signed by a family member or loved one may become their financial responsibility after your death. Life insurance helps cover those costs.

Estate Planning

Life insurance can cover the cost of estate planning following one’s death, such as securing an attorney to close out remaining accounts, and paying taxes and legal fees.

Get In Touch

You have questions, we have answers.

Here are some of our most frequently asked questions. If we didn't answer your question here, just get in touch.

Get in touch to receive a
personalized free quote.

We are here to help you explore your options and tailor an insurance plan that's specific to you. We'll never try to sell you more than you need.

You have questions, we have answers.

Here are some of our most frequently asked questions. If we didn't answer your question here, just get in touch.

Get in touch to receive a
personalized free quote.

We are here to help you explore your options and tailor an insurance plan that's specific to you. We'll never try to sell you more than you need.