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%
Fleets & Service Industries: Coverage & Policy Solutions
Tailored coverage for transportation, delivery, field service, and contractor businesses including commercial auto, liability, workers compensation, and umbrella protection.
Delivery & Courier Companies
HVAC Contractors
Plumbing Companies
Electrical Contractors
Landscaping Businesses
Cleaning Services
Appliance Repair Companies
General Contractors
Pest Control Companies
Field Service Technicians
Transportation Fleets
Towing Companies
Construction Service Firms
Mobile Mechanics
Security Patrol Companies
Waste & Junk Removal Services
Pool Service Companies
Roofing Contractors
Painting Contractors
Telecom Installation Crews
General Core
Policies Required
Commercial Auto Insurance
General Liability Insurance
Workers Compensation
Commercial Property Insurance
Inland Marine Insurance
Commercial Umbrella Insurance
Hired & Non Owned Auto Coverage
Employers Liability
Equipment Coverage
Contractors Liability Insurance
Recommended Additional Coverages
Excess Liability
Pollution Liability
Cyber Liability
Employment Practices Liability (EPLI)
Tools & Equipment Coverage
Rental Reimbursement Coverage
Business Interruption Insurance
Cargo Insurance
Surety Bonds
Professional Liability
Common Contractor Endorsements
Additional Insured Endorsement
Waiver of Subrogation
Primary & Non Contributory Wording
Blanket Additional Insured
Ongoing Operations Endorsement (CG 20 10)
Completed Operations Endorsement (CG 20 37)
Per Project Aggregate
30 Day Notice of Cancellation
Equipment Floaters
Stop Gap Liability
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
Fleet businesses typically need Commercial Auto Insurance, General Liability, and Workers Compensation. Depending on operations, cargo coverage, umbrella insurance, and inland marine policies may also be required.
Fleet insurance covers multiple business vehicles under one policy. It protects against accidents, property damage, bodily injury, and physical damage to company owned vehicles.
Yes. If employees use vehicles for business purposes, personal auto insurance will not provide proper coverage. Commercial auto insurance protects the company from accident related liability and vehicle damage.
Inland marine insurance covers tools, equipment, and materials while in transit or stored off site. It is essential for contractors and service businesses that operate in the field.
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
