Commercial Insurance Located in Richmond, VA

We provide all lines of commercial insurance with emphasis on non-profit, day cares, churches and municipal coverage’s. Call us for your business or commercial risks, including aircraft risks. Whether you’re a three-person shop, a midsize company or a growing business with unique insurance requirements, you can find insurance products and services here to meet virtually all your business protection needs.

Virginia Small Business Insurance

We know your business, your industry, your market and your risks. This enables us to offer you an affordable small business insurance plan that is every bit as good and relatively speaking, every bit as comprehensive as a big business plan. For proprietors, growing enterprises or larger small businesses, we offer one of the most comprehensive and versatile Business Owner’s Policies on the market. Our business insurance protection for more than 250 business categories includes:

  • Retail Business
  • Service Business
  • Office
  • Professional Practices
  • Wholesale Businesses
  • Manufacturers
  • Contractors
  • Apartments
  • Condominium
  • Garages
  • Heating & Air Conditioning
  • Electricians
  • Gun Stores/Shooting Ranges
  • Self-Storage Facilities
  • Child Care
  • Christian Schools
  • Private Schools
  • Auto Repair Shops
  • Veterinarians
  • Funeral Homes

Midsize Business Insurance

Make sure your insurance program is the right one for your business. Working closely with our underwriters, our agents do whatever is necessary to fully understand the uniqueness of your business, your marketplace and the many challenges you face, both within and beyond your control. Armed with this understanding, your Agent will recommend the precise solution you need. From broad-based property and liability policies to specialized lines of coverage, our comprehensive insurance programs are specifically designed to meet the requirements of midsize businesses.

Business Owner’s Policy

For proprietors, growing enterprises or larger small businesses, we offer one of the most comprehensive and versatile Business Owner’s Policies on the market.

Packaged Property & Liability Programs: Provides coverage for your buildings and other business assets, and for the ever-growing threat — and increasingly more damaging consequences — of business-related liability. Our programs also include coverage for crime and equipment breakdown.

Commercial Auto: Covers company-owned cars, trucks, garages and service operations.

Commercial Umbrella Liability: Increases the coverage provided by your primary liability policy and, at the same time, offers protection for additional perils.

Inland Marine: Covers a wide range of exposures, including accounts receivable, valuable papers and records, items and goods in transport, computer equipment and electronic data.

Workers’ Compensation: Provides a variety of funding options, including guaranteed cost plans. All programs feature sophisticated managed care, claims handling, and loss control and return-to-work capabilities.

Specialized Insurance Programs

Specialty businesses require special coverages. For this reason, we offer insurance programs that provide comprehensive solutions for a broad spectrum of complex and unique challenges. Additional commercial insurance programs are available for:


Perhaps no business operators are more familiar with the dangers of our sink or swim world than marina owners and boat dealers. Our agents can help you become equally familiar with the best ways to protect yourself from these dangers. In the wake of trouble, the insurance coverage provided by Sanford Insurance can be a lifesaver.

Jewelers’ Block

Just as a gem requires the right setting to be secure as well as properly presented, the environment a jewelry business inhabits must be appropriately protected. Often small in size, yet high in value due to their inventories, such businesses need the specialized underwriting and flexible coverage that we provide.

Performance & Surety Bonds

If your business requires bonding, we can help. In fact, we customize our services to meet the state or national bonding requirements for your industry.

Call us for help with:

  • Contract bonds
  • Judicial and probate bonds
  • License and permit bonds
  • Other surety bonds