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Workers Compensation

Workers compensation insurance is designed to cover medical expenses and part of lost wages for employees who are hurt or become ill on the job. This coverage is often mandated by state law once a business surpasses a certain threshold...

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Property & Flood

Property often represents a business’s greatest asset. Prosper can help protect your building and contents from: Fire, theft, collapse & more Equipment breakdown, including spoilage Loss of business income or rental property income There are many forms of property we...

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Commercial Auto & Fleet

Commercial auto insurance provides both liability and physical damage coverage for the vehicles and trailers your businesses uses every day at the higher protection limits demanded by today’s market. This coverage includes: Liability (protection for both property damage and bodily...

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General Liability & Umbrella

General Liability coverage isn’t just a box to check to fulfil certificate requirements, it’s the first line of defense in protecting your business from many types of lawsuits. General Liability coverage can help provide coverage for: Bodily injury Property damage...

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Inland Marine / Installations Floaters / Mobile Equipment / Builders Risk

Not all your assets stay on site. Mobile equipment, property in transit, property contracted for installation, and many other assets can be covered through a well-written inland marine policy. Ready to construct a new building, either for your business or...

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Dog Breeds and Dog Bite Situations

Finding the proper insurance coverage can be difficult if you own a certain breed dog because a large majority of liability claims are dog bite claims. So, most insurance carriers will either not insure you, or if they do, they...

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How do I cancel a policy? 

If you’ve recently sold your home or vehicle, obviously, you don’t want to continue making payments on those policies. We don’t blame you. Just give us a call at 757-448-3820 and let us know. Please note that we work with...

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How do I add someone to my policy?

Give us a call! We ask that you have the following information handy so we can keep this process quick and easy for you: Policy holder’s name and the name of the driver you would like to add Policy number...

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What to do if my mortgage company changed?

If your mortgage company has changed, simply give us a call to let us know. This is a common occurrence and most mortgage companies do not inform the insurance carriers when they make a switch. It’s very important for us...

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Is out-of-state registration ok?

This doesn’t really make a difference to many of our insurance companies, but here’s the catch, the DMV will care. Many DMVs won’t accept out-of-state insurance and could fine you and/or suspend your license or plates. It is your responsibility...

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How can I get my Auto ID cards?

Most carriers have mobile apps you can use to request your ID cards. The best way to determine if your carrier has a mobile app is to simply Google them. You will likely be instructed to create a customer login....

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How do I pay my bill? 

Most insurance carriers allow you to pay online. Here are the payment links for some of our carriers: Travelers Grange Progressive Main Street America Hanover If you can’t find your policy number or carrier, you can always call our service...

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How do I file a claim?

If you need to file a claim, make sure to call us first! Our team will help you determine if a claim should be filed and connect you with the insurance carrier to start the claims process. We will even...

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Why is the insurance carrier doing an inspection on my property?

Because they want you to keep your home amazing. This is a recent trend that is going to continue to rise. Regardless of who you get insurance from, you will likely have an inspection performed on your property when you...

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Why did my premium increase this year?

There are many reasons your premium might increase. The most common are: Recent claim filed Traffic Violation Insurance/credit score may have dropped Carrier rate increase throughout the state due to the rising cost of repairing cars and homes There are...

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I have _____ insurance company, who is Prosper?

Prosper Insurance is a brokerage, which means we work with and write insurance for over 20 different insurance carriers. We helped you sign up for your insurance when you closed on your home or bought your car. Having a broker...

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Is flood covered on home insurance?

Flood is almost never covered on home insurance policies in Virginia. It is a separate policy through FEMA or a private flood market.

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What’s the difference between Liability Coverage and Full Coverage?

Liability is the bare minimum coverage needed to cover injuries, while full coverage protects your vehicle if it was in a collision or stolen. Liability coverage pays out when you injure someone else or someone injures you and that person...

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