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Star City Insurance is your guiding light on your path to protection.

Learn About Star City Insurance

Since 2016, Star City Insurance has been dedicated to helping businesses, individuals, and families like yours find the protection they need for the important things in life through insurance solutions. We are a local family-owned and operated small business in Roanoke, VA, so we understand what it takes to help you secure coverage for what’s most important to you.

Our team is committed to being a guiding light in the world of insurance, working with you one-on-one to help you along the way so you can make informed decisions about the insurance that protects your business or lifestyle.

As an independent agency, we provide multiple options from a wide variety of insurance companies so you can find the coverage you are looking for, an all-in-one place. Are you ready to work with an insurance agency that has your best interests in mind? Learn more about who we are and how we can help.

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Insuring What’s Important to You

Star City Insurance is based in Roanoke, VA, and we are proud to offer insurance solutions to businesses, individuals, and families in Virginia and across 15 states. So whether you operate your business or live locally or beyond, get in touch with us to find protection for what’s important to you.

The Solution to Your Insurance Needs

Providing a variety of business insurance, insurance by industry, personal insurance, and employee benefits solutions is what Star City Insurance focuses on.

Insure Your Business

As a small family-owned and operated business ourselves, we understand the importance of every dollar spent and saved. You can count on us to have the best interests of your business in mind when exploring your coverage options.

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Logging Insurance

Hospitality Insurance

Contractor Insurance

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Insure What You Protect

Insurance is critical to help protect the your lifestyle and the things you care about in life. By working with us and having your policies in one place makes bundling coverage and your life easier.

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Auto Insurance

Home Insurance

Flood Insurance

Watercraft Insurance

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Manage Your Policies

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Building / Property Insurance
Risk Factor

Is your building subject to severe weather events, fire, or burst pipes? Most are. These situations and others can cause significant damage to the structure leading to costly repairs.


Building coverage protects the permanent structure from most weather perils, burst pipes, a fire, and other losses.

Innkeepers Legal Liability
Risk Factor

You are required by law to keep your guests’ valuable personal items secure and safe, and you can be held responsible for loss or damage unless caused by an act of nature or the actions of the guest.


An innkeepers legal liability policy can protect against losses to your guests’ personal items when they are being stored in your hotel. Requirements vary by state, including maximum liability per guest, the types of items that are covered, where the item was stored, and the value of the item.

General Liability
Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.


General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Liquor Liability
Risk Factor

Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.


If you are in the business of selling or serving alcohol, it is critical that you protect your business from potential financial losses by being covered by a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.

Valet Parking
Risk Factor

Providing a valet service is convenient for your guests, but damaging a vehicle, property, or causing injury is a very real risk associated with it.


Obtain a general liability policy to protect your business from lawsuits by a third party. Be certain that a garagekeepers legal liability policy is in effect with adequate limits to cover any physical damage to your guest's vehicle or other vehicles on site. If you are using an independent valet service, obtain a certificate of insurance to verify they have the proper coverage with adequate limits. Also make sure that your business is named as an additional insured under their policy.

Cyber Insurance
Risk Factor

Hotels rely on technology to run almost every facet of their business and store sensitive information such as credit cards, passwords, and guests’ personal data. You are at risk if this information is lost, stolen, or compromised. You may be legally obligated to alert those impacted by the breach and possibly pay fines, restitution, and defense costs.


Experiencing a data breach is often not a question of if, but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring service, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Workers’ Compensation
Risk Factor

Most states require an employer to provide coverage for any injuries their employees experience while on the job, as well as any job-related illnesses.


Maintain workers’ compensation insurance to provide benefits to eligible employees, otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. Hotels, just like any other business, are vulnerable from the pre-hire process through to a possible reduction in workforce. Claims can stem from just about anything, such as someone taking a “joke” the wrong way and being offended.


Coverage to protect you against this risk normally comes as a standalone policy. The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations. Typically, the policy will cover your business as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, and addresses claims made by customers or vendors against you from acts committed by employees.

Business or Commercial Auto
Risk Factor

When you own or operate a vehicle for your hotel, you expose your business to liability risks to other drivers, property owners, and your own guests while being driven.


A business auto insurance policy should be maintained if the vehicles are owned by the company. If employees are using their own vehicles at any time as part of their job duties, then hired and non-owned auto liability coverage should be maintained. Both will defend you if you are named in a lawsuit as a result of an employee getting into an accident while working for you.

Business Income
Risk Factor

What would you do if a fire impacted your operations? Or what if a pipe leak caused an extended downtime of a significant block of rooms? These and other events can destroy your ability to serve guests and bring in revenue, which can have a major long-term impact on the viability of your hotel.


Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Umbrella
Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

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The Independent Agency Advantage

What makes our independent insurance agency different?

Why Go Independent?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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We strive to uphold Erie Insurance’s long-standing commitment to service.

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An Independent Agency Gives You Options

We proudly represent multiple insurance companies to offer you a variety of coverage options.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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