Affluent Personal Lines Insurance

We know successful individuals appreciate a simple yet fully customized approach. TDC Virginia Benefits & Risk Management reviews your exposures and places them with the carrier that best meets your needs. We partner only with carriers who share our client focus and offer tailored coverage, superior claim service, value-added services and simplified billing.

We believe most people would not only expect to pay more but would be willing to pay more. The anomaly is that more often than not the superior product is more competitive.

TDC Virginia Benefits & Risk Management offers a comprehensive approach to ensuring all your personal exposures are covered. These include, but are not limited to:

Curb appeal helps sell a home, but the decision to buy will only be validated after putting the home to use. The same goes for the policy protecting your home. The time of a claim is not when you want to discover the policy insuring your home has “more curb” appeal than substance.

We represent over 20 carriers in order to offer our clients some of the broadest and most comprehensive coverage’s in the insurance marketplace to be certain that at the time of loss, you have some of the best protection possible.

Some of the best coverage includes the following:

  • Agreed Value
  • Limited Worldwide Coverage
  • New-for-Old Vehicle Replacement
  • Personal Property with No Deductible
  • Pet Coverage
  • Deductible Waiver
  • Choice of Repair Shops
  • OEM parts
  • Per Occurrence Rental Coverage
  • Loan/Lease Gap Coverage
  • Temporary Emergency Living Expenses
  • Key and Lock Replacement
  • Towing, Labor and Roadside Assistance

TDC Virginia Benefits & Risk Management will tailor your program so you can sit back and enjoy the ride.

You purchase jewelry, art, sculptures, antiques, wine, coins, precious stones or other memorabilia, and over time they appreciate in value. Many of our carrier’s policies will pay up to 50% more than the scheduled limit of insurance in the event of appreciation.

Some valuables can be insured via the home policy, while others have restrictive policy limitations. We recommend scheduling valuables. In addition to being economical, scheduling valuables establishes a pre-loss value, eliminates any deductible, broadens coverage and provides access to complimentary and fee-based services to help manage your collection.

The road ahead for car collectors is smoother, as TDC Virginia Benefits & Risk Management simplifies the insurance process. For unique classic autos, collector autos and exotic autos, we offer you creative insurance solutions that will address the body of your collector car insurance needs. Our team of professionals will match you with the carrier providing coverage that is most important to you. Whether its unlimited capacity, up to 150% of agreed value, limited worldwide coverage, high liability limits, diminished value, choice of repair shops, OEM parts and/or roadside assistance without mileage restriction, TDC Virginia Benefits & Risk Management puts you in the driver’s seat! One more thing that’s beautiful about collector cars…now it’s easier to insure and maintain them.

“Hope for the best but plan for the worst” is an expression to live by. Unfortunately, too many people aren’t prepared. The truth is no one can predict the future, so it’s best to prepare for the worst.

In a society looking to point the litigating finger of blame more and more each day, protecting all the things you’ve worked your entire life to acquire only makes common sense. Personal umbrella liability is extremely inexpensive in light of the amount of protection provided.

At TDC Virginia Benefits & Risk Management, we have developed exclusive group excess liability programs that many of our clients’ qualify for which make this already inexpensive coverage even more competitive, and limits can be purchased up to $100 Million.