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When owning or managing habitational buildings,including: complexes, apartments, and condominiums, there are many risks to consider. There is a level of complexity to properly insuring these types of properties. The potential loss of rental income and the loss of Historical Tax Credits are challenges that require a knowledgeable insurance agent who can design a comprehensive program to limit loss potential.


Property developers should  properly cover their adaptive re-use projects with Historical Tax Credits and soft costs associated with renovation.


Habitational exposures require additional coverage considerations involving both Property and General Liability such as:

  • Builders' Risk including "soft costs" loss while under construction or renovation
  • Owners', Landlords' and Tenants' Liability insurance
  • Renters policies
  • Surety Bonds for permits and contractors
  • Dishonesty Insurance for Agents and Association Managers
  • Cyber Liability designed for Data Breach and loss of private data
  • Notification and remediation expense for Cyber or Data Breach
  • Directors & Officers Liability for Home Owner and Condo Associations

From planning to occupancy, we are your best choice. 

Our Location

Richmond Office

8570 Magellan Parkway, #1100
Richmond, VA 23227
Main office: 804-627-1000
Fax: 804-627-1031

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.