Insurance We Offer

Protecting your family with great rates and local service

We are your one-stop shop for insurance — we offer many types of insurance including:

Homeowners Insurance

Buying, refinancing or need to review your cur-rent policy? If you’re buying or refinancing your home, we will work directly with your lender to simplify your closing process.

We can also make sure that your paperwork is done and sent to your settlement agent on time. When you schedule your closing date, use our Request A Quote form and we will give you the best value at the lowest premium to protect you, your family, and your property.

Auto Insurance

Auto insurance protects you and your car. Virginia law requires licensed drivers to have insurance. Give us an opportunity to save you money on your auto insurance.

You can save up to 10% if you bundle your auto and home together with the same company.

Commercial Insurance

We love helping locally owned and family owned restaurants, bars, markets or any other commercial endeavors including small business start-ups. Because we’re independent, chances are we have the perfect company that loves to insure what you do and can save you money with great coverage.

Life Insurance

Life Insurance gives you peace of mind, knowing that your family will be taken care of when you pass.

Annuities will help you save money providing fixed retirement income.

Renter’s Insurance

Even if you rent an apartment or house, you need to protect your property, (the contents of your residence) from fire or theft.

Boat, Motorcycle & RV Insurance

In addition to your regular car insurance, we offer many types of specialty vehicle insurance including boat, motorcycle, RV and commercial auto.

Workers Compensation

Workers’ compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill in the course of their job. It also pays death benefits to families of employees who are killed on the job.

Virginia requires businesses who hire employee/s, to purchase workers’ compensation coverage for those employees. If a business fails to provide workers’ compensation coverage, they can face severe and costly repercussions including payment of claims out of pocket and fines.

We represent many insurance companies who offer Workers’ compensation. By quoting various companies we can find the best coverage and the best price.

Health Insurance

Health Insurance covers preventative care for health, vision, and dental so you stay well. It also pays hospital and medical costs if you are hurt. We have many kinds of policies to choose from to properly cover your family’s needs.

Commercial Insurance Information

The Roberts Insurance Group can handle all of your Commercial insurance needs:

  • Building property
  • Business Personal Property
  • Workman’s Compensation
  • Equipment breakdown
  • Commercial auto including fleets of cars, trucks, dump trucks and trailers.
  • General Liability
  • Business income
  • Business interruption
  • Contractors and builder’s risk
  • Umbrella or Excess coverage

If you own your business, we have a business owner’s policy that is one of the best.

Areas of Protection for Businesses

We have a BOP “Business Owner’s policy” which bundles the following areas in 1 policy.

  • Office
  • Business personal property
  • general liability
  • medical expenses
  • Employee crime
  • Loss of use
  • Business income
  • Money orders/counterfeit paper currency/forgery and alteration.
  • Accounts receivable/valuable papers and records etc.
  • Personal property on or off premises within 100 ft.
  • Equipment breakdown
  • Approximately 50 optional coverages depending on the business needs.

Depending on the needs of your company, we can give
you specific areas of protection as listed below:

General Liability:   Coverage protects an insured from a wide variety of commercial exposures, primarily the insured’s legal liability arising from injuries or damage suffered by customers, tenants, clients, or the general public.

Building Coverage:    Coverage for Apartment, office buildings, restaurants etc., including, building additions, permanently installed fixtures, machinery and equipment, outdoor fixtures, and other personal property used to maintain the building.

Business personal property:  Business personal property is covered when it is located in or on the building or within 100 ft. of the described premises and includes furniture, fixtures, stock, machinery and equipment, all other personal property owned by the insured in the business.

Personal property of others:  Is covered when it is in the care, custody, or control of the insured or if it is located in, on the building,  or in the open within 100 ft.  from premises.

Commercial auto:   Coverage for vehicles used primarily for business purposes.  This  includes  a fleet of cars, trucks, and trailers.  Also, if you hire, lease, rent or borrow a vehicle for business purposes.

Umbrella/Excess:  Coverage is available to give additional general liability coverage over and beyond the general coverage limits.

Workman’s Compensation: Is a system of benefits mandated by law for most workers who suffer job-related injuries or diseases. A worker’s compensation insurance policy is one means an employer can use to meet the requirements of the law.

Crime and infidelity: There are various types of Crime in the workplace:

  • Burglary is the theft of property from within the premises that leaves visible marks of forced entry.
  • Mysterious Disappearances – where an article of property is known to have disappeared but it is impossible to determine how.
  • Employee theft – covers money, securities, and other property.
  • Forgery or alterations.
  • Computer fraud.
  • Money orders and counterfeit paper currency.