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Harter Insurance Agency
  • Business
  • Home
  • Auto
  • Life
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Harter Insurance Agency

Independent Insurance Agent in Chesterfield, VA

About us

Better Coverage, Better Service, More Peace of Mind.

Located in Chesterfield, VA, Harter Insurance Agency provides business, personal, and life insurance to clients throughout Virginia, including Henrico and Richmond. We are a veteran owned independent insurance agency providing the right coverage from top carriers to keep you, yours, and your small business or large commercial enterprise safe.

We offer a wide range of business insurance products. Ask us about builders risk, business interruption, business owners package, church, commercial auto, commercial earthquake, commercial property, commercial trucking, commercial umbrella, contractor's general liability, cyber liability, directors & officers, employment practices liability (EPLI), garage, general liability, non-profit, professional liability (errors & omissions), restaurant & bar, special event, special event, technology, vineyard & winery, wholesalers & distributors, and workers' compensation insurance.

As local business owners ourselves, we know the challenges you face daily, and Harter Insurance Agency is here to help. Let our independent agents analyze your current coverage and ensure you have a business insurance strategy that best fits your unique needs. Contact us today!

Commercial Lines insurance professionals

Ask me about these types of insurance...

An independent insurance agent will make sure that your business is covered in the event of a catastrophe or sudden loss.

Request a business insurance quote

If a data breach does happen, it's a wise decision to have a cyber liability insurance policy to help your company stay secure.

Request a cyber liability quote

Restaurant insurance is a combo platter of coverage that protects your customers, employees, property and inventory.

Request a restaurant insurance quote

Hotel insurance is a very specific type of business insurance that's been tailored to meet the unique coverage needs of your business. Talk to an independent agent.

Request a hotel insurance quote

Bakery insurance is designed to protect your small business from potential hazards that can lead to serious financial loss. Talk to an independent agent.

Request a bakery insurance quote

Gym insurance covers costs if someone gets hurt and there's a lawsuit. Talk to an independent insurance agent.

Request a gym insurance quote

Why choose Harter Insurance Agency

States we serve

  • Virginia

Our insurance coverages

Personal insurance coverage

  • ATV
  • Automobile
  • Boat
  • Builders Risk / Construction
  • Collectible Auto
  • Condo
  • Earthquake
  • Farm
  • Flood
  • Health
  • Home
  • Identity Fraud
  • Landlord
  • Mobile Home
  • Motorcycle
  • Other
  • Personal Watercraft
  • Pet
  • RV / Motorhome
  • Renters
  • Short-Term / Sharing
  • Snowmobile
  • Special Event
  • Travel Trailer
  • Umbrella
  • Vacant Land
  • Valuable Items

Business insurance coverage

  • Builders Risk
  • Business Owners Package (BOP)
  • Business Vehicle
  • Contractors Equipment
  • Cyber Liability
  • Directors & Officers
  • Employment Practices Liability
  • Errors & Omissions
  • General Liability
  • Inland Marine
  • Other
  • Professional Liability
  • Property
  • Umbrella / Excess
  • Workers' Compensation

Life & Annuties coverage

  • Annuities
  • Disability Income
  • Life
  • Long Term Care

Industries we serve

  • Accommodation and Food Services
  • Administrative and Support and Waste Management and Remediation Services
  • Arts, Entertainment, and Recreation
  • Construction
  • Educational Services
  • Finance and Insurance
  • Information
  • Management of Companies and Enterprises
  • Manufacturing - Food / Beverage / Textiles / Apparel / Leather
  • Manufacturing - Metal / Machinery / Computer / Electrical / Transportation / Furniture
  • Manufacturing - Wood / Paper / Paper / Mining / Plastics
  • Other Services (except Public Administration)
  • Professional, Scientific, and Technical Services
  • Public Administration
  • Real Estate and Rental and Leasing
  • Retail - Sporting Goods / Hobby / Music / General / Misc.
  • Retail - Vehicle / Home / Furniture / Building / Garden / Food / Health / Gas / Clothing
  • Transportation - Air / Rail / Water / Truck / Transit / Ground / Pipeline / Scenic
  • Transportation and Warehousing
  • Utilities
  • Wholesale Trade

Recommended insurance company partners

Other companies we work with:

Accident Insurance Company (AIC), Erie Insurance Company

Harter Insurance Agency Team

Megan Harterr - Agent
Megan Harterr

Harter Insurance Agency Reviews

Average based on 10 reviews Leave a review

Customer Reviews

October 26, 2023

The Harter Insurance Agency were able to save us close to $100/mo and were professional and timely. Even when we had the challenge of insuring a property owned by my wife and a third party, they took care of it all without us having to lift a finger and I love not having to lift a finger.

October 26, 2023

Ryan and Megan walked me through the entire process from start to finish. They explained all the details of my coverages and made sure I had enough coverage. They responded quickly and really made me feel that I was in good hands. I would definitely recommend them!

October 26, 2023

I've been with Ryan for a little over a year and have had a great experience. He is very prompt at addressing our insurance needs. I would highly recommend Ryan and his agency.

October 26, 2023

Great insurance agency. They listen to my needs and deliver great customer service. We are very pleased that we made to switch to an outstanding Agency!!!

October 26, 2023

Ryan has proven to be very knowledgeable regarding what coverage best suits my needs all while being very professional and quick to respond to any questions.

October 24, 2023

The Harters were great to work with. Explained all the options and prices. Very pleased with the outcome and will hopefully use them in the future for additional needs. I encouraged others to seek their insurance plans with them.

October 24, 2023

My agent Ryan Harter was on point ! I saved a lot of money and I got the best coverage for my property! I am strongly recommending his agency and his excellent service! Thank you for the world class customer service experience! Like

October 23, 2023

I was referred to the Harter Insurance agency by a friend who was also obtaining new insurance. I needed to find better cost effective insurance because I am 29 yrs old and my car insurance was still high with Geico, given I have no accidents and a +5 on my record!! Lets not talk about this house, because insuring this half a mil house I have was outrageous with Nationwide, they always gave me some crazy excuse to have me pay well over a reasonable premium, I guess they were really on my side right? I combined my home and auto insurance through this agency. The process of obtaining coverage has been the easiest process Ive ever had experienced. Geico, liberty mutual, progressive, nationwide, none of these companies can compete with the rates I have through Harter Insurance. Ryan and his team are very knowledgeable, with timely responses and no hidden insurance lingo, and very straightforward. Its been a pleasure doing business with Harter Insurance agency and I look forward to any

October 23, 2023

Ryan and Megan were great helping me secure my car insurance. Took the time to answer all my questions. Highly recommend them for your insurance needs!

October 23, 2023

I relocated to Virginia and Ryan made the process of obtaining Home and Auto insurance extremely simple. His correspondence with me was very quick! I will definitely continue using him for my future insurance needs. Thanks Ryan!


Harter Insurance Agency

Better Coverage, Better Service, More Peace of Mind.

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