HSH Insurance

At HSH Insurance, we have been providing specialized insurance solutions for over 80 years. Since our establishment in 1931, we have been committed to serving our clients in the Roanoke Valley area and beyond, with personal insurance, commercial insurance, and employee benefits coverages. Our headquarters are located in Salem, VA, but our services extend far beyond the local area, reaching clients as far as Pittsburgh and Dallas.

Our mission is to provide the utmost dedication and drive to satisfy our clients, delivering the best protection at the most competitive price. We take the time to get to know our clients, question, and listen, delivering the best program available. Our old-fashioned values in service combined with modern technology enable us to provide exceptional service to our clients.

Personal Insurance

At HSH Insurance, we understand that life happens fast, and there's nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top-quality insurance coverage that works for your needs and budget. Our personal insurance specialties include home insurance, auto insurance, high net worth insurance, individual life insurance, and umbrella insurance.

Home Insurance: We offer customized homeowners insurance policies to protect your home and belongings from various risks such as fire, theft, and natural disasters. Our policies provide coverage for your dwelling, personal property, liability, and additional living expenses.

Auto Insurance: We offer a range of auto insurance policies to protect your vehicles, including cars, motorcycles, and RVs. Our policies provide coverage for liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

High Net Worth Insurance: Our high net worth insurance policies provide comprehensive coverage for high-value homes, automobiles, jewelry, and other valuable possessions. Our policies offer higher coverage limits and specialized coverage options to protect your assets.

Individual Life Insurance: Our individual life insurance policies provide financial protection for your family in the event of your death. We offer term life, whole life, and universal life insurance policies to suit your needs and budget.

Umbrella Insurance: Our umbrella insurance policies provide additional liability coverage above and beyond your auto and homeowners insurance policies. Our policies protect you from lawsuits and claims that exceed your primary insurance policy limits.

Commercial Insurance

In today's ever-changing environment, risk is constant. Commercial insurance isn't. At HSH Insurance, we thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs. Our commercial insurance specialties include business owners insurance, contractor insurance, wholesaler and distributor insurance, manufacturer insurance, and commercial property insurance.

Business Owners Insurance: Our business owners insurance policies provide comprehensive coverage for your business, including liability, property, and loss of income coverage. Our policies protect you from various risks such as property damage, lawsuits, and loss of income.

Contractor Insurance: Our contractor insurance policies provide customized coverage for contractors, including liability, workers' compensation, and property damage coverage. Our policies protect you from various risks such as property damage, lawsuits, and employee injuries.

Wholesaler and Distributor Insurance: Our wholesaler and distributor insurance policies provide customized coverage for wholesalers and distributors, including liability, property, and business interruption coverage. Our policies protect you from various risks such as property damage, lawsuits, and loss of income.

Manufacturer Insurance: Our manufacturer insurance policies provide customized coverage for manufacturers, including liability, property, and business interruption coverage. Our policies protect you from various risks such as property damage, lawsuits, and loss of income.

Commercial Property Insurance: Our commercial property insurance policies provide customized coverage for commercial properties, including buildings, equipment, and inventory. Our policies protect you from various risks such as fire, theft, and natural disasters.

Employee Benefits

The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. At HSH Insurance, we can design an employee benefits program that makes sense for your company and your employees. Our employee benefits specialties include group health insurance, self-funded group health insurance, group dental insurance, group vision insurance, and employee assistance plans.

Group Health Insurance: Our group health insurance policies provide comprehensive coverage for your employees, including medical, dental, and vision coverage. Our policies offer various coverage options to suit your employees' needs and budget.

Self-Funded Group Health Insurance: Our self-funded group health insurance policies provide customized coverage for employers who want to take control of their health insurance costs. Our policies offer various funding options, including level-funded and self-insured plans.

Group Dental Insurance: Our group dental insurance policies provide comprehensive coverage for your employees' dental care needs. Our policies offer various coverage options, including preventative, basic, and major services.

Group Vision Insurance: Our group vision insurance policies provide comprehensive coverage for your employees' vision care needs. Our policies offer various coverage options, including eye exams, frames, and contact lenses.

Employee Assistance Plan: Our employee assistance plans provide support for your employees in various areas of their lives, including mental health, legal, and financial issues. Our plans offer various services, including counseling, legal consultations, and financial resources.

At HSH Insurance, we are committed to providing exceptional service and customized insurance solutions for our clients. Contact us today to learn more about our specialized insurance solutions for all your needs.