Insurance That Fits Into the Bigger Financial Picture
Our team works alongside financial advisors to make sure clients are protected at every stage of their financial plan. Collaborative, thorough, and always focused on the long term.
Working With Realtors
Insurance should be part of a larger financial strategy, not an afterthought. Watkins Insurance Group partners with financial advisors to help clients protect their assets, income, investments, and long-term goals through thoughtful coverage planning and risk management conversations. Our approach is collaborative, relationship-driven, and centered around helping clients build long-term financial stability.
A Natural Extension of Your Client's Financial Plan
- 30-plus carriers, one trusted agent
- Over a decade of experience in Richmond
- Real answers, no automated lines
- Coverage for individuals and businesses
How It Works
Collaborative, Simple, and Built Around Your Client's Goals
1
You Make the Introduction
When a client has a coverage gap or an insurance needs that fits into their broader financial plan, refer them to us. Our team will take it from there.
2
Our Team Assesses the Full Picture
We take the time to understand your client's assets, goals, and existing coverage before making any recommendations. No shortcuts, no generic solutions.
3
Coverage That Supports the Plan
Our team will put together coverage that complements your client's financial strategy and keeps their long-term goals protected.
What We Cover
Protection Across Every Part of Your Client's Financial Life
Our team works with financial advisors to address the coverage needs that come up at every stage of a client's financial journey.
- Personal property coverage including home and auto
- Landlord and investment property insurance
- Umbrella policies for high-net-worth clients
- Flood and specialty coverage
- Commercial coverage for business-owning clients
- Risk management conversations that align with financial planning goals
Coverage We Work With
The Right Coverage for Every Client and Every Property
Whether it's a first-time buyer or a seasoned investor, our team handles the full range of coverage that comes up in real estate transactions.
Homeowners Insurance
Flood Insurance
Landlord Insurnace
Umbrella Policies
Vacant Property Insurnace
Why Work With Us
Watkins Insurance Group was built on a simple belief: relationships come first.For more than a decade, Philip Watkins has helped clients make confident insurance decisions through honest advice, personal service, and responsive support.When you work with Watkins Insurance Group, you work directly with Philip. He takes the time to understand your needs, review your coverage, and be there when you need help most.
Personal service. Trusted advice. Real relationships.
Common Questions From Advisors We Work With
Frequently Asked Questions
How does insurance fit into a broader financial plan?
Insurance protects the assets and income your clients are working to grow. Without the right coverage in place, a single event can undo years of financial progress. Our team makes sure that doesn't happen.
What types of clients do you typically work with?
Our team works with individuals, families, and business owners at all stages of their financial journey, from young professionals to established clients with complex asset portfolios.
Do you work with high-net-worth clients who need umbrella coverage?
Yes. We regularly works with clients who need higher liability limits and umbrella policies that go beyond standard personal coverage.
Can you handle coverage for clients who own businesses?
Absolutely. Our team covers both the personal and commercial insurance needs of business-owning clients, making him a natural fit for advisors whose clients wear both hats.
How do you communicate with the advisor during the process?
Our team keeps things collaborative. If you want to stay in the loop on a client referral, he will make sure you are. He works the way you want to work.
How do we start the referral relationship?
Just reach out. Our team is happy to connect, learn about your practice, and talk about how Watkins Insurance Group can support your clients and your team.