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
By first understanding your business and its risks, your goals and challenges are clearly identified before the right coverage is recommended.
Communication
We communicate clearly and proactively with you, your GC partners, project managers, and carriers to ensure seamless certificates, compliance, and claims support.
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%
Auto Body & Repair: Coverage & Policy Solutions
Tailored coverage for transportation, delivery, field service, and contractor businesses including commercial auto, liability, workers compensation, and umbrella protection.
Auto Body Shops
Collision Repair Centers
Independent Auto Repair Shops
Mechanical Repair Garages
Transmission Repair Shops
Brake & Muffler Shops
Paint & Refinishing Shops
Tire Shops
Oil Change & Lube Centers
Custom Auto Shops
Dealership Service Departments
Mobile Mechanics
Classic Car Restoration Shops
Diesel Repair Shops
Fleet Maintenance Shops
Auto Glass Repair Companies
Car Detailing Businesses
Performance Tuning Shops
RV Repair Shops
Motorcycle Repair Shops
General Core
Policies Required
Garage Liability Insurance
Garagekeepers Insurance
Workers Compensation
Commercial Property Insurance
Commercial Auto Insurance
General Liability Insurance
Umbrella / Excess Liability
Tools & Equipment Coverage
Employers Liability
Business Owners Policy (BOP)
Recommended Additional Coverages
Cyber Liability Insurance
Employment Practices Liability (EPLI)
Business Interruption Insurance
Equipment Breakdown Insurance
Pollution Liability
Hired & Non Owned Auto
Crime / Employee Dishonesty Coverage
Customer Property Coverage
Parts Inventory Coverage
Sign Coverage
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
Loss Payee Endorsement
Lender Additional Insured Status
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
Auto repair shops typically require garage liability, garagekeepers insurance, workers compensation, and commercial property coverage. Many also carry umbrella and equipment coverage for added protection.
Garagekeepers insurance covers customer vehicles while they are in your care, custody, or control. It protects against damage caused by fire, theft, vandalism, or accidents on your premises.
Yes. Garage liability is specifically designed for automotive businesses and covers bodily injury and property damage arising from garage operations, including vehicle related risks.
Yes, tools and equipment coverage or inland marine insurance can protect expensive diagnostic machines, lifts, compressors, and hand tools from theft or damage.
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
