Services
Our Insurance Services
At Mahoney Insurance Services, we provide a full range of personal, commercial, and agricultural insurance options. Every policy is crafted with attention to detail and tailored to reflect the realities of living and working in Richmond, Charlottesville and Surrounding Area.
Commercial & Small Business Insurance
Business owners in Cumberland need protection that goes beyond the basics. We offer custom commercial insurance plans that cover everything from property and liability to cyber threats and professional risks. Whether you own a local shop, operate a construction company, or run a professional office, our policies are designed to protect your assets, income, and employees.
Business Owners Policy (BOP)
A Business Owners Policy combines general liability and commercial property insurance into one package, ideal for small to mid-sized businesses. We tailor BOPs to include business interruption coverage and equipment protection—essential for businesses that rely on continuity and cash flow.
General Liability
From customer slip-and-fall incidents to advertising claims, general liability insurance shields your business from common risks. It’s a cornerstone of business protection and one of the most important policies for any operation, no matter the size.
Workers’ Compensation
Virginia law requires coverage for employees—and we help ensure your business is compliant. Workers’ comp provides wage replacement and medical benefits for employees injured on the job while protecting your business from costly lawsuits.
Commercial Auto
If your business owns or operates vehicles, commercial auto insurance is a must. This coverage applies to cars, trucks, and vans used for business purposes, covering accidents, liability, and physical damage.
Commercial Property
Protect your physical assets—offices, equipment, tools, inventory, and buildings—with commercial property insurance. Whether you're operating out of a retail space or workshop, our policies are structured to match your unique risks and asset value.
Commercial Umbrella
When your underlying liability limits aren’t enough, umbrella coverage provides additional financial protection. It extends your liability coverage across multiple policies to safeguard your business against large-scale claims or lawsuits.
Contractor Insurance
Independent contractors face specific risks on and off job sites. Our contractor insurance policies include tools and equipment coverage, general liability, and optional endorsements for subcontractor work.
Farm & Ranch Insurance
From barns to fencing to feed storage, farm and ranch insurance protects both your property and production. Our coverage options can be adapted to operations of any size and scope.
Crop Insurance
Crop insurance helps farmers manage the financial risks of yield loss due to weather events, pests, or disease. We assist with both yield protection and revenue protection plans, guided by USDA guidelines and private market options.
Agritourism Coverage
If your farm welcomes visitors for events, tours, or seasonal attractions, agritourism coverage fills in the gaps left by standard farm policies. We help protect you from guest liability, property damage, and event-related risks.
Livestock Protection
If your farm welcomes visitors for events, tours, or seasonal attractions, agritourism coverage fills in the gaps left by standard farm policies. We help protect you from guest liability, property damage, and event-related risks.
Livestock Protection
Livestock insurance provides coverage for high-value animals against risks like disease, injury, and weather-related loss. Whether you're insuring a herd or select breeding stock, we tailor coverage to match your livestock profile.
Farm & Agribusiness Insurance
From customer slip-and-fall incidents to advertising claims, general liability insurance shields your business from common risks. It’s a cornerstone of business protection and one of the most important policies for any operation, no matter the size.
Personal Insurance
Protect your home, belongings, and lifestyle with customized personal insurance. We offer flexible coverage to help you plan ahead, recover from loss, and navigate everyday risks.
Homeowners Insurance
Homeowners insurance helps safeguard your dwelling, personal property, and liability exposure. We assess rebuild value and local risks to ensure you have the right protection for your Cumberland home.
Renters Insurance
If you rent, your landlord’s insurance doesn’t cover your belongings. Renters insurance protects your personal items and provides liability coverage in case of accidents in your rental unit.
Condo Insurance
Condo owners need coverage that fills the gaps between personal responsibility and HOA policies. We help you protect your interior unit, upgrades, personal items, and liability exposure.
Auto Insurance
Whether you’re commuting, running errands, or heading out on a road trip, auto insurance protects your vehicle, passengers, and finances. We offer customized plans that fit your driving habits and vehicle type.
Flood Insurance
Homeowners policies don’t cover flood damage. We offer NFIP-backed and private market flood insurance to help protect your home or business from rising waters and unexpected storm damage.
Life Insurance & Annuities
Plan for your family’s future with customized life insurance and retirement products. Whether you’re looking for affordable term coverage or lifetime income through annuities, we provide solutions that support long-term security.
Term Life Insurance
Term life provides affordable, fixed-rate coverage for a defined period. It’s ideal for income replacement, debt protection, and family security during your working years.
Whole Life Insurance
Whole life insurance offers permanent protection with a cash value component. It’s an excellent option for legacy planning, final expense coverage, or long-term asset growth.
Universal Life Insurance
For those seeking flexibility in premium payments and death benefits, universal life insurance combines lifelong protection with investment potential and customization.
Annuities for Retirement Planning
Annuities offer guaranteed income for life, helping you plan for retirement without worrying about market volatility. We offer both immediate and deferred options based on your retirement goals.