Retail, Service, & Hospitality Insurance

Protecting Your Properties, Big or Small

Owning and managing property isn’t just an investment—it’s a big responsibility. We help landlords, investors, property managers, and HOA boards across Ripley, Charleston, Parkersburg & surrounding towns protect their buildings, their tenants, and their business interests.


Whether you own a single rental unit, manage an apartment complex, or operate an RV park or Airbnb, we’ll help you get clear, affordable coverage that fits

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Apartment Owners Insurance

Protects multi-unit residential buildings against fire, storm damage, liability claims, and more—so you can keep your tenants safe and your investment protected.

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Condo Association Insurance

Covers the shared spaces, exteriors, and board liabilities that individual condo owners’ policies don't.

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HOA Insurance

Provides coverage for HOA-maintained property (clubhouses, pools, landscaping) and protects board members from personal liability claims.

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Commercial Real Estate Insurance

Covers office buildings, retail centers, warehouses, and industrial spaces for property damage, liability, and business interruption.

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Lessors Risk Insurance

If you lease out office, retail, or industrial spaces to tenants, lessors risk insurance protects you from property damage and tenant-related lawsuits.

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Airbnb Insurance

Homeowners policies often don’t cover short-term rentals like Airbnb. We’ll set you up with the right protection for hosting—whether part-time or full-time.

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RV Park Insurance

Specialty coverage for RV parks and campgrounds, protecting your land, hookups, liability risks, and rental units if you have them.

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How We Help

You shouldn’t have to guess whether you’re fully protected. We’ll take the time to understand your property setup—what you own, what you rent, and what you manage—and then build a custom insurance plan around it. No cookie-cutter coverage. Just smart protection, built for real life.

FAQ

  • Is rental property insurance different from homeowners insurance?

    Yes—rental properties have different risks, especially regarding tenant liability. We’ll make sure your policy is designed for rental use.

  • Does Airbnb rental activity void my home insurance?

    In many cases, yes. Standard home insurance doesn't cover short-term rental activity. We can set up the right Airbnb insurance to avoid gaps.

  • What does HOA insurance usually cover?

    It typically covers shared property (buildings, roads, amenities) and liability for the board of directors. We'll tailor a plan to fit your community.

  • Do I need lessors risk insurance for a commercial tenant?

    Absolutely. Even if your tenant has their own business insurance, lessors risk coverage protects your property and your interests.