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Specialized Insurance offers auto, home, life, and business insurance.

Insuring Charlottesville and All of Virginia

Our philosophy is that businesses and families deserve plain spoken risk management advice and comprehensive insurance policies at a price they can afford. It doesn’t matter if you are starting a business, hiring employees, buying a building, purchasing a new vehicle, or building a home. To us, these are opportunities. It is our pride and passion to help create opportunities for businesses and families. We do this by applying practical, appropriate coverage with cost effective policies from insurance carrier partners who are long-term focused on the demands of similar clients, with similar risk profiles.

Navigating Large Loss in a Small Business

Posted: May 19, 2024

Having your own business can be an extremely rewarding endeavor. All businesses encounter risks, but successful ones know how to approach those risks in a calculated and strategic fashion. However, even calculated decisions sometimes cannot predict situations that lead to financial loss. Specifically, business losses occur when operating expenses exceed the revenue earned during a certain period. A wide range of variables can lead to...

Spring Maintenance for Your Home & Car

Posted: May 16, 2024

Spring Maintenance for Your Home As spring rolls around, many homeowners should consider revitalizing their homes through post-winter maintenance. Winter can often damage a home, including its exterior, plumbing, and climate control systems. In anticipation of winter, try adding the tips below to your spring maintenance checklist. HVAC Maintenance During warmer seasons, air conditioning is more than just a luxury; it is a home essential....

Sharing the Road: The Do’s & Don’ts for Cyclists & Drivers

Posted: May 13, 2024

Streets and roads are not the exclusive domain of motor vehicles. In some areas, it contains cyclists as well as pedestrians. Prioritizing safety for everyone is paramount. Increased awareness of cyclists’ presence fosters a culture of mutual respect and caution. We can create a safer and more inclusive environment by respecting all road users and advocating safety measures. The Do’s for Cyclists Cyclists should heed...

Phone: (434) 529-6000