Pannill & Associates Insurance Agency

We Take a Family-Oriented Approach to Service

We’re here to protect what matters most with the right insurance while treating you like part of the family.

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Giving back to our community through local charities and non-profits we support is what we’re all about. Whether it’s donating or sponsoring events, we strive to give back to the community we live in and serve.


Insurance can be a complicated subject, but we work hard to make it as simple as possible. From helping you find the right coverage to answering all your questions, we put service first to ensure your needs are met.


As a family-owned agency, family is at the core of who we are. That’s why we treat our clients like family by being there when they need us and helping them at every turn.

About Pannill & Associates Insurance Agency, Inc

Our family-owned and operated agency has been serving individuals, families and businesses from our Chesterfield, VA office since 2000. With an emphasis on service, we focus on meeting and exceeding your needs with fast responses, knowledgeable advice and ensuring you get the right insurance for your situation.

You can trust our independent agency to put your needs first while protecting the most important things. We represent multiple insurance companies that offer a wide variety of coverage options at competitive rates. Our goal is to deliver the right blend of price, coverage and service.

If you’re looking for an agency that treats you like family, get in touch with us today. We’re here to help you through the insurance process and are happy to provide you with the warm, friendly customer service you deserve.

About UsCommunity InvolvementOur Awards
Chesterfield, VA Office

9854 Lori Rd., Suite 201
Chesterfield, VA 23832

From Our Family to Yours


Protecting Your Business and Employees



Wonderful agency to work with and very family-oriented. I would certainly recommend my friends to them!

Chris Swain

Friendly service, competitive rates, always there to answer my questions.

Jennifer Wayne

Keith, you are always a pleasure to work with. You are very efficient. I thank you for making my insurance needs easy!

Colleen Kehoe-Robertson
Rated 5-Stars on Google
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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness InsuranceEmployee Benefits
Property Damage Liability
Risk Factor

You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?


Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.

Bodily Injury Liability
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.

Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Watercraft Liability
Risk Factor

Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.


Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.

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As an independent agency, we offer multiple options at competitive prices.

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