How We Partner With You
We go beyond policies to deliver clear risk guidance, responsive service, and tailored insurance programs designed around your business goals.
Understanding
We take the time to fully understand your operations, exposures, contractual requirements, and long-term goals. By learning how your business truly functions day to day, we design insurance strategies that align with your real-world risk and support sustainable growth not just today, but as you scale.
Communication
We believe strong partnerships are built on proactive, transparent communication. Our team works closely with you, your carriers, and key staff to keep everything aligned and moving efficiently. Through our secure client portal, you have 24/7 access to policies, certificates, and critical documents giving you clarity and control whenever you need it.
Trusted by 1,000+ Businesses Nationwide
We have helped over 1000 clients with their insurance needs. Join our satisfied customers and let us help you too.
Years in business
24+
Policies written
5000+
Customer RETENTION
97%
Contractors & Trades: Coverage & Policy Solutions
Serving General Contractors, Skilled Trades, and Specialized Service Providers Across the South & Southeast.
General Contractors
Residential Home Builders
Electrical Contractors
Plumbing Contractors
HVAC Contractors
Roofing Contractors
Concrete Contractors
Excavation & Grading Contractors
Utility Contractors (Water / Sewer / Gas)
Masonry Contractors
Steel Erectors
Carpentry & Framing Contractors
Drywall & Painting Contractors
Flooring Installers
Glass & Glazing Contractors
Landscaping & Hardscaping Companies
Asphalt & Paving Contractors
Demolition Contractors
Fire Sprinkler Contractors
Low Voltage & Security Installers
General Core
Policies Required
General Liability
Workers’ Compensation
Commercial Auto
Commercial Property
Inland Marine (Tools & Equipment)
Umbrella / Excess Liability
Recommended Additional Coverages
Builder’s Risk
Professional Liability (E&O)
Pollution Liability
Contractor’s Pollution Liability (CPL)
Installation Floater
Equipment Breakdown
Cyber Liability
Employment Practices Liability (EPLI)
Surety Bonds
Common Contractor Endorsements
Additional Insured (Ongoing & Completed Operations)
Waiver of Subrogation
Primary & Non-Contributory
Per Project Aggregate
Blanket Additional Insured
Blanket Waiver of Subrogation
Action Over / Labor Law Coverage
Tools Rental Reimbursement
Hired & Non-Owned Auto
Stop Gap
Meet Our Management Team
Our management team brings decades of industry expertise, guiding clients with clarity, integrity, and a commitment
to long term partnerships.
TODD KOHOUT
Founder & Principal Advisor
ELIZABETH E. WARREN
President
CARLA SCHWINNE
Director of Operations
JACK SARGENT
President, Transportation
& Logistics
TRISH SANDERS
Senior Account Executive
CHRISTINA WRIGHT
Account Executive
“The team’s creativity, attention to detail, and prompt communication made the entire process a breeze. Our online presence has never looked better. Highly recommend!”
Ethan Mitchell
F.A.Q.
Frequently Asked Questions
Coverage depends on your trade, contract requirements, project size, and revenue. Most contractors carry General Liability, Workers’ Compensation, Commercial Auto, and Umbrella coverage, but higher-risk trades (roofing, excavation, structural work) often require higher liability limits and specialized endorsements.
These endorsements transfer risk and protect the hiring party from claims arising out of your work. Many commercial contracts require specific wording (Primary & Non-Contributory, Completed Operations) before you can start a project.
Inland Marine typically covers mobile tools, equipment, and materials that move from job site to job site — including items stored in vehicles or temporarily at a project location.
Premium increases can be influenced by industry loss trends, labor shortages, nuclear verdicts, material costs, fleet exposures, and overall market conditions — not just your personal claims history.
Where We Operate
T. Hudson Risk Advisors is an insurance advisory firm licensed across the South and Southeast, providing risk management and insurance solutions for organizations operating across multiple states. Our primary service region is supported by active state licensing, with nationwide incidental insurance coverage available where permitted by law and subject to carrier authorization and regulatory requirements.
Alabama Cities
- Birmingham
- Montgomery
- Mobile
- Huntsville
- Tuscaloosa
- Hoover
- Dothan
- Auburn
- Decatur
- Madison
- Florence
- Gadsden
- Vestavia Hills
- Prattville
- Phenix City
- Opelika
- Enterprise
- Homewood
- Alabaster
- Northport
- Pelham
- Bessemer
- Daphne
- Fairhope
- Selma
Arkansas Cities
- Little Rock
- Fort Smith
- Fayetteville
- Springdale
- Jonesboro
- North Little Rock
- Conway
- Rogers
- Bentonville
- Pine Bluff
- Hot Springs
- Texarkana
- Sherwood
- Jacksonville
- Russellville
- Benton
- Paragould
- Blytheville
- Searcy
- Cabot
- Van Buren
- El Dorado
- Bella Vista
- Maumelle
- Mountain Home
California Cities
- Los Angeles
- San Diego
- San Jose
- San Francisco
- Fresno
- Sacramento
- Long Beach
- Oakland
- Bakersfield
- Anaheim
- Santa Ana
- Riverside
- Stockton
- Irvine
- Chula Vista
- San Bernardino
- Modesto
- Fontana
- Santa Clarita
- Oxnard
- Moreno Valley
- Huntington Beach
- Glendale
- Santa Rosa
- Ontario
Colorado Cities
- Denver
- Colorado Springs
- Aurora
- Fort Collins
- Lakewood
- Thornton
- Arvada
- Westminster
- Pueblo
- Greeley
- Boulder
- Centennial
- Longmont
- Loveland
- Grand Junction
- Broomfield
- Castle Rock
- Commerce City
- Parker
- Littleton
- Brighton
- Englewood
- Wheat Ridge
- Lafayette
- Erie
Florida Cities
- Miami
- Orlando
- Tampa
- Jacksonville
- St. Petersburg
- Hialeah
- Tallahassee
- Fort Lauderdale
- Cape Coral
- Port St. Lucie
- Pembroke Pines
- Hollywood
- Gainesville
- Miramar
- Coral Springs
- West Palm Beach
- Clearwater
- Naples
- Sarasota
- Daytona Beach
- Melbourne
- Deltona
- Miami Beach
- Boynton Beach
- Ocala
Georgia Cities
- Atlanta
- Augusta
- Columbus
- Savannah
- Athens
- Sandy Springs
- Roswell
- Macon
- Johns Creek
- Albany
- Warner Robins
- Alpharetta
- Marietta
- Valdosta
- Smyrna
- Dunwoody
- Brookhaven
- Peachtree Corners
- Gainesville
- Newnan
- Douglasville
- Kennesaw
- Milton
- Rome
- Hinesville
Kentucky Cities
- Louisville
- Lexington
- Bowling Green
- Owensboro
- Covington
- Richmond
- Georgetown
- Florence
- Hopkinsville
- Frankfort
- Elizabethtown
- Paducah
- Nicholasville
- Henderson
- Radcliff
- Independence
- Ashland
- Winchester
- Berea
- Fort Thomas
- Erlanger
- Danville
- Murray
- St. Matthews
- Jeffersontown
Louisiana Cities
- New Orleans
- Baton Rouge
- Shreveport
- Lafayette
- Lake Charles
- Kenner
- Bossier City
- Monroe
- Alexandria
- Houma
- Slidell
- New Iberia
- Ruston
- Hammond
- Natchitoches
- Central
- Pineville
- Marrero
- West Monroe
- Prairieville
- Metairie
- Terrytown
- Gretna
- Opelousas
- Zachary
Mississippi Cities
- Jackson
- Gulfport
- Southaven
- Hattiesburg
- Biloxi
- Meridian
- Tupelo
- Greenville
- Olive Branch
- Horn Lake
- Pearl
- Madison
- Clinton
- Ridgeland
- Vicksburg
- Starkville
- Columbus
- Ocean Springs
- Pascagoula
- Brandon
- Oxford
- Laurel
- Natchez
- Gautier
- Bay St. Louis
Nevada Cities
- Las Vegas
- Henderson
- Reno
- North Las Vegas
- Sparks
- Carson City
- Elko
- Mesquite
- Boulder City
- Fernley
- Fallon
- Winnemucca
- West Wendover
- Pahrump
- Laughlin
- Paradise
- Enterprise
- Spring Valley
- Summerlin
- Sunrise Manor
- Whitney
- Spanish Springs
- Dayton
- Incline Village
- Gardnerville
North Carolina Cities
- Charlotte
- Raleigh
- Greensboro
- Durham
- Winston-Salem
- Fayetteville
- Cary
- Wilmington
- High Point
- Concord
- Asheville
- Gastonia
- Jacksonville
- Chapel Hill
- Rocky Mount
- Burlington
- Kannapolis
- Huntersville
- Apex
- Wake Forest
- Hickory
- Mooresville
- Goldsboro
- Wilson
- Greenville
Oklahoma Cities
- Oklahoma City
- Tulsa
- Norman
- Broken Arrow
- Edmond
- Lawton
- Moore
- Midwest City
- Enid
- Stillwater
- Muskogee
- Bartlesville
- Shawnee
- Owasso
- Ardmore
- Yukon
- Mustang
- Bixby
- Jenks
- Claremore
- Del City
- Sand Springs
- El Reno
- Durant
- McAlester
Pennsylvania Cities
- Philadelphia
- Pittsburgh
- Allentown
- Erie
- Reading
- Scranton
- Bethlehem
- Lancaster
- Harrisburg
- York
- State College
- Wilkes-Barre
- Chester
- Altoona
- Easton
- Johnstown
- Norristown
- Upper Darby
- Bensalem
- Lower Merion
- Hazleton
- Monroeville
- New Castle
- West Chester
- King of Prussia
South Carolina Cities
- Charleston
- Columbia
- North Charleston
- Mount Pleasant
- Rock Hill
- Greenville
- Summerville
- Sumter
- Hilton Head Island
- Florence
- Spartanburg
- Myrtle Beach
- Aiken
- Anderson
- Goose Creek
- Greer
- Mauldin
- Simpsonville
- Bluffton
- Lexington
- Easley
- Conway
- North Augusta
- Clemson
- Gaffney
Tennessee Cities
- Nashville
- Memphis
- Knoxville
- Chattanooga
- Clarksville
- Murfreesboro
- Franklin
- Johnson City
- Jackson
- Hendersonville
- Kingsport
- Collierville
- Cleveland
- Smyrna
- Germantown
- Brentwood
- Bartlett
- Lebanon
- La Vergne
- Cookeville
- Gallatin
- Sevierville
- Maryville
- Oak Ridge
- Spring Hill
Texas Cities
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
- El Paso
- Arlington
- Corpus Christi
- Plano
- Laredo
- Lubbock
- Garland
- Irving
- Amarillo
- McKinney
- Frisco
- Grand Prairie
- Brownsville
- Pasadena
- Mesquite
- Killeen
- McAllen
- Waco
- Carrollton
- Denton
