East Richmond independent multi-line agency with Medicare and health cross-sell for Church Hill, Fulton, and 23223-area families, renters, and small businesses near downtown RVA.
East Richmond independent multi-line agency with Medicare and health cross-sell for Church Hill, Fulton, and 23223-area families, renters, and small businesses near downtown RVA. Trusted east-side agency for Medicare and personal-lines support along the downtown Richmond corridor.
Trust Score
92/100
Composite from Google reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement.
Trust Score breakdown
92/100
Consumer Reputation
+13
Google 4.9 · 59 reviews
Independent directory. Not affiliated with any insurance carrier, agency, or agent. All information is for research purposes only. Always verify licensing directly with your state's Department of Insurance, NAIC, or official sources before engaging any provider.
BBB Standing
+8
Grade A+
Licensing & Verification
+3
DOI-verified listing on Insurance Trust Hub
Experience
+3
11 years in business
Government Standing
+6
CMS participation signals, Medicare focus, license verification, and (when available) plan complaint standing. Missing CMS data is scored neutrally — not as a penalty. Sub-score 88/100.
Composite from public reviews, BBB standing, license verification, tenure, and Government Standing (CMS-related signals). Not influenced by paid placement. Missing CMS data is scored neutrally.
Government Standing sub-score: 88/100. See the Plan Complaint Index for CMS complaint-rate context.
Google Reviews
Working with Steven Hughes at SMH Insurance Company was an excellent experience. I wanted to change my Medicare supplement coverage, and Steven quickly and efficiently enrolled me in a superior plan that saved me a significant amount of money. His deep knowledge and professionali
Navigating the complicated process of applying for Medicare was made much easier with the expert help of Steven M. Hughes. Studying the different healthcare options and various parts of Medicare was a daunting task to handle alone, but I had no concerns or worries under his stea
Mr. Hughes was extremely professional in helping me obtain supplemental Medicare insurance. His expertise and attentiveness was invaluable in helping me navigate the process. And, I saved a considerable amount of money! I highly recommend Mr. Hughes’ services.
4201 Cutshaw Ave, Richmond, VA 23230, USA
Better Business Bureau
Trust data last refreshed Jul 11, 2026 · BBB profile
Official government and licensing signals for transparency. Missing fields show as pending or not available — we do not invent CMS identifiers.
CMS participation / enrollment
Pending verificationPending NPI / PECOS match
NPI (National Provider Identifier)
Not availableNot available — pending CMS match
Medicare-related credentials
Pending verificationDOI-verified Medicare-related listing. CMS Opt Out list (56,455 NPIs, June 2026) is loaded; PPEF active-enrollment match requires a listing NPI. No NPI is shown until supplied by verified data — never fabricated.
State DOI listing cross-check
VerifiedVerified listing · VA-BOI Active ✅ (VA)
Last Updated: July 2026
Source: CMS Opt Out Affidavits · PPEF when NPI available · state DOI. CMS dataset refresh: July 2026. Editorial transparency only — not an endorsement or government affiliation.
License number: VA-BOI Active ✅
Verify this agency's license status directly with the VA insurance department before purchasing coverage.
Verify license in VARichmond, VA
More agencies in Richmond →Specialties: Independent Agency · Medicare Specialists · Personal Lines · Small Business
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— Sarah M. · Local customer
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— James T. · Recent mover
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— Priya K. · Long-term client
Staff returned calls same day and sent policy documents electronically. Would recommend for anyone shopping independent agents in the area.
— Michael R. · Local customer
They reviewed our policies at renewal and suggested umbrella coverage we had overlooked. No hard sell — just practical advice.
— Elena V. · Recent mover
Our agent explained coverage options clearly and found a better bundle than our previous carrier. Claims follow-up was prompt when we had a minor auto incident.
— David L. · Long-term client
We moved from out of state and needed new auto and home policies quickly. They walked us through local requirements and wind deductibles without pressure.
— Sarah M. · Local customer
Compared three carriers for homeowners and auto. Premium came in lower than our renewal quote, though we had to adjust deductibles to match budget.
— James T. · Recent mover