Business Details
38 Years
experience
Your Trusted Richmond Insurance Partner
Sanford Insurance has been providing comprehensive insurance services to clients across Virginia for over thirty years. Since 1988, we have prioritized customer needs by representing over 30 top-rated insurance companies, ensuring competitive pricing and tailored coverage solutions for both personal and commercial clients. Our team of licensed agents specializes in auto, home, motorcycle, boat, life, health, and commercial insurance, including niche areas like church insurance and contractor coverage. As a locally owned and operated independent agency in Richmond, VA, we emphasize direct communication with our agents to deliver exceptional customer service. Our mission is to help clients navigate risks in both personal and business contexts, offering expert guidance to secure the best policies at optimal terms. With decades of combined experience, our leadership team actively contributes to industry education and legislative advocacy through organizations like the Professional Insurance Agents of Virginia/D.C.We maintain strong partnerships with insurance providers to streamline processes like policy changes, claims filing, and cost reduction strategies, as evidenced by our clients' testimonials praising our responsiveness and personalized approach. Our commitment to transparency and client-centric service has earned us a verified Trustindex badge based on consistently positive reviews.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Boat Insurance
Umbrella Insurance
RV Insurance
Church Insurance
Contractor Insurance
Details
- Year established: 1988
Highlights and features
- We offer 30+ years of Virginia insurance expertise with personalized service
- Our team represents 30+ top-rated insurance companies for competitive options
- Locally owned agency with direct agent communication and quick response times
- Specialized coverage for unique needs including churches and contractors
- Verified by Trustindex with consistently positive customer reviews
What people say
Experienced staff
Prompt info delivery
Quick response times
Cost reduction help
Exceptional service
Services
Auto Insurance
We provide comprehensive auto insurance solutions tailored to individual needs. Our policies protect against liability, collision, and uninsured motorists while offering competitive rates through multiple carrier partnerships. With personalized service from experienced agents, clients receive optimal coverage that adapts to changing life circumstances and vehicle requirements.
Commercial Insurance
Our commercial insurance programs safeguard businesses against property damage, liability claims, and operational risks. Specialized coverage options include contractor insurance, restaurant protection, and auto repair shop policies. With expertise in church insurance and ministry coverage, we help businesses across industries maintain compliance and financial security through customized risk management strategies.
Home Insurance
We offer robust home insurance policies protecting against structural damage, personal liability, and loss of possessions. Our agents help clients understand coverage limits and recommend umbrella policies for enhanced protection. With experience handling policy updates and cost reduction strategies, we ensure homeowners maintain adequate coverage while optimizing premium costs through competitive market comparisons.
Church Insurance
Our specialized church insurance programs protect religious organizations across Virginia, Maryland, and DC. Coverage includes property protection, liability insurance, and specialized ministry risk management. With dedicated specialists like David Rogers and Amanda Clarke, we address unique needs of congregations and related ministries through comprehensive policies tailored to their operational requirements.
Umbrella Insurance
We provide umbrella insurance policies that extend liability coverage beyond standard policy limits. This critical protection safeguards assets against major claims or lawsuits, particularly for homeowners with significant property values. Our agents help clients determine appropriate coverage levels and integrate these policies with existing insurance programs for comprehensive risk management.
People
Mike Sanford
CEO/Owner
Founder and managing agent with over 20 years teaching insurance education. Serves as PIA Virginia/D.C. President and industry lobbyist. Holds MBA from Averett University and leads agency's 10-state operations.
Carol Sanford
CFO
Co-founder with Property & Casualty license specializing in church insurance. Joined agency in 1988 after Salisbury University education. Focuses on financial operations and specialized ministry coverage solutions.
Ashley Sanford Kilian
Director of Operations
MBA holder from Liberty University with 15+ years insurance experience. Manages personal lines while serving commercial clients. Specializes in policy administration and operational efficiency improvements for the agency.
Lauren Reigelsberger
Producer
Licensed personal lines specialist with expertise in auto and home insurance. Provides direct client support and policy recommendations. Graduated from John Tyler Community College with focus on customer-centric insurance solutions.
David Rogers
Ministry Specialist
Church insurance expert serving Virginia, Maryland, and DC. Preferred agent for Baptist General Convention of Virginia. Combines industry experience with community involvement to deliver tailored ministry protection programs.
Questions
What insurance types do you specialize in?
We offer auto, home, boat, RV, motorcycle, umbrella, and commercial insurance including specialized church, contractor, and restaurant coverage.
Are you a local Richmond agency?
Yes, we're a locally owned Richmond agency serving Virginia and surrounding regions since 1988 with personalized insurance solutions.
How do you help lower insurance costs?
Our agents actively compare 30+ carriers to find competitive rates and work with clients to implement cost-saving strategies during policy renewals.
Can I manage policies online?
While we prioritize direct agent communication, we offer digital tools for policy changes, claims filing, and certificate requests through our website.
Do you handle commercial insurance needs?
Yes, we specialize in commercial coverage including contractor insurance, restaurant protection, and church ministry programs with dedicated specialists.
What service areas do you cover?
Primarily Virginia with expanded services in Maryland, Washington D.C., and a 10-state regional network through our carrier partnerships.
