Richmond has 229,359 residents in 104,321 households. We list 10 agencies for commercial property insurance in Richmond. Here is what the local numbers say about the cover people here need.

Richmond at a glance

10commercial property insurance agencies listed
56.5%of households rentRenters insurance
$353,000median home valueHome insurance
1959median year homes were builtRebuild cost calculator
13%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Henrico County

FEMA rates the overall natural hazard risk in Henrico County, where most Richmond agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Richmond
Winter weatherRelatively High
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Virginia

Virginia requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Richmond How much liability cover do you need?

Source: law.lis.virginia.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Richmond agencies work with

Of the 10 Richmond agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Chubb (ACE)5 agencies
Liberty Mutual5 agencies
The Hartford5 agencies
Travelers5 agencies
Chubb4 agencies
Liberty Mutual (Safeco)4 agencies
Safeco4 agencies
COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY3 agencies
Employers3 agencies
Markel3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Richmond agencies are

Richmond agencies we list sit in 4 ZIP codes, mostly in Henrico County.

232306 agencies
232262 agencies
232271 agency
232361 agency

Questions

Commercial Property insurance in Richmond

All insurance agencies in Richmond · Commercial Property insurance across Virginia

Where can I find commercial property insurance in Richmond?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Which insurance companies do Richmond agencies work with?

Among the 10 Richmond agencies whose appointments we hold, the companies they are most often appointed with are Chubb (ACE) (5), Liberty Mutual (5), The Hartford (5), Travelers (5), Chubb (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Richmond?

FEMA's National Risk Index rates inland flooding risk in Henrico County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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