The right choice for agents in Virginia

Aspera offers personal and commercial insurance in Virginia for your clients. We specialize in hard-to-insure classes, providing you with customized underwriting solutions for coastal manufactured homes and a growing list of commercial product lines. Our appetite includes everything from general casualty and professional liability to energy and environmental risks.

Our knowledgeable underwriters are experts in higher-risk commercial classes and understand retail agents. We will get back to you with exceptionally quick turnaround times, making it easy for you to provide top-notch service to your clients.

All Aspera policies are written through a non-admitted carrier with an assigned financial strength rating of A (Excellent) by A.M. Best.

Get the right insurance coverage for Virginia

At Aspera, we understand the unique challenges of providing personal and commercial insurance in Virginia. Our underwriting team has worked with agents serving the industries of allied health, professional liability, construction contractors, manufactured housing, and more.

Let us meet your needs for hard-to-insure risks, including:

  • E-cigarettes and Tobacco — Aspera offers many types of insurance coverage for the manufacturers, importers, and retailers of e-cigarettes and tobacco products. Coverage includes Commercial General Liability, Products Liability, and Management Liability. We are experienced in underwriting these risks and understand the special legal issues associated with these products in Virginia.
  • Assisted Living and Nursing Homes — Aspera provides General Liability coverage for assisted living and nursing homes, as well as other long-term care and social services. Our team is experienced in underwriting these risks and understands the special issues associated with this industry.
  • Lawyers — Aspera can tailor a wide range of insurance coverage for the needs of practicing lawyers and small-to-midsize law firms. We offer General Liability for basic law firm risks and can customize and manuscript coverage to fit any specific needs.
  • Manufacturing and Distribution (including Pharmaceuticals) —Aspera provides coverage for all types of distribution, including warehousing and storage, professional and commercial equipment, and General Liability and Product Liability coverages. We can also tailor insurance coverage to fit your manufacturing and distribution needs.
  • Residential and Commercial Contractors — Aspera writes property and casualty coverage for general contractors and artisan trade contractors, including those working in new residential construction or commercial construction. Our team specializes in creatively underwriting hard-to-place contractors that have poor loss history, tough exposures, or other difficult characteristics. We also understand the construction risks on Virginia’s diverse topography from the Blue Ridge Mountains to Tidewater’s coast.
  • Coastal Manufactured Housing—Aspera offers a variety of solutions available for manufactured homes, including coverage for wind, hail, and all other perils. We offer Preferred, Select, and Wind/Hail Only policies that offer different coverages for your clients’ dwellings, other structures, and personal property. We also have several add-ons available to fit each account’s needs.

Experience the benefits of working with Aspera Insurance

At Aspera, we understand how challenging it can be to provide coverage for high-risk homes and businesses. That’s why our underwriting team works hard to provide you with the solutions you need quickly. We not only offer high-quality home and commercial coverage at competitive rates, but we make it simple for you to work with us.

Our expert underwriters are committed to providing you accurate and consistent quotes, tailoring coverages to meet client needs, and replying to questions that arise with personal and prompt service. We pride ourselves on making it easier for you to place hard-to-insure coverage.

Count on Aspera to accelerate your business, with:

  • Quick responses and quotes, whether in minutes from our manufactured housing portal or in hours, not days, from our commercial team
  • Responsive team of experts in hard-to-insure products
  • High-quality, personal service for every account

Submit your quote request today

See how quickly Aspera can meet your coverage needs. Send your submission now to For personal lines quotes, appointed agents can log in to use our instant quoting portal, or for more information, contact

(Not appointed with Aspera yet? We can respond to your quote and begin the appointment process, all at the same time!)

For more information on the types of accounts within our appetite, contact Kyle Flynn, Division Manager, Commercial Lines, or Heather Mawn, Division Manager, Personal Lines. Reach out to Steven Yavorsky, Marketing Leader, to begin the agency appointment process.