Insurance Products

• Personal Auto Insurance
• Antique, Classic, and Customized Automobile Insurance
• ATV Insurance
• Boat Insurance
• Motorcycle Insurance

Homeowners insurance protects your property – both your house and the things in it – from losses due to fire, wind, theft, and a whole lot more. Homeowners insurance also covers you for property damage or injury to others for which you or other family members may be held legally liable.

• Homeowner Insurance
• Condo Insurance
• Dwelling Fire Insurance
• Earthquake Insurance
• Home Business Insurance
• Personal Umbrella Insurance
• Renter’s Insurance
• Scheduled Personal Property Insurance
• Personal Package Insurance

There are several standard parts of homeowner insurance coverage, but there are even more ways to customize home insurance policies to make sure you get maximum credits and the right insurance coverage for your Central Virginia home.

We can customize your home insurance policy for home business occupancies, special collections, important art or jewelry, and more.

Our experienced staff at G.F.H. Insurance Agency Inc will assist you in tailoring a homeowner’s insurance policy that is right for you.

Contact an insurance specialist at G.F.H. Insurance Agency Inc today to answer any questions about homeowners or renters insurance. Call or apply online now for a free review and insurance quote.

A travel trailer and mobile home insurance policy will help you recover quickly after your travel trailer or mobile home is damaged or destroyed by accident, fire, theft, or other covered events. It may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage.

• Travel Trailer Insurance
• Motor Home Insurance
• RV Insurance
• Camper Insurance
• Horse Trailer Insurance

As a local, independent insurance agency, G.F.H. Insurance Agency Inc can help you find the right policy for your travel trailer or mobile home by comparing quotes and coverage options from several top providers.

Insurance that can protect your mobile home, travel trailer, camper, and even your horse trailer. Let us help you select the right coverage for your needs, and get a great price at the same time.

RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.

Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.

• Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
• Stated Value – market value or actual cash value
• Agreed Value – the insured amount, regardless of the current market value
• Replacement Cost – we will replace it with a new one that is most like it
• Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
• Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Some additional coverage option may include accident forgiveness, pet coverage, diminishing deductible, and more.

Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts, and more.

You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats. It will also simplify your life.

Every situation is unique – request a free quote or call us today to find out how to get the best price and value on travel trailer or mobile home insurance for you. Apply online for a free review and insurance quote.

G.F.H. Insurance Agency Inc is in the business of protecting your business. We understand what it takes to run a business, big or small and how complex understanding your business insurance needs can be.

Let us tailor a policy to fit your unique business situation. Focusing only on the coverage that makes sense for you, we will provide you with the most comprehensive and competitively-priced policy to fit your needs and budget.

• Builders Risk Insurance
• Business Auto Insurance
• Business Owners Policy Insurance
• Commercial General Liability
• Commercial Package Policy Insurance
• Commercial Property Insurance
• Commercial Umbrella Insurance
• Contractors Liability Insurance
• Crime Insurance
• Directors and Officers Liability Insurance
• Employment Practices Liability Insurance (EPLI)
• Inland Marine Insurance
• Ocean Marine Insurance
• Professional Liability Insurance
• Trucking Insurance
• Workers’ Compensation Insurance

G.F.H. Insurance Agency Inc business policies can include any or all of the following coverage options:

• Business Owner’s Policies (BOPs)
• Commercial General Liability
• Employee Group Benefits
• Worker’s Compensation
• Commercial Auto
• Commercial Property
• Bid and Surety Bonds

Protect your business against financial loss with business insurance from G.F.H. Insurance Agency Inc. Call or apply online now for a free review and insurance quote for business and commercial insurance in central Virginia.

G.F.H. Insurance Agency Inc offers a variety of contract and commercial surety bonds designed to meet your specific needs.

• Contract surety bonds guarantee the performance of two parties covered by a written agreement. The most common types include bid, performance, and payment bonds.
• Commercial surety bonds comprises several types of bonds categorized as court judicial, license and permit, public official, and many miscellaneous bonds that provide guarantees of financial performance.
• International surety bonds for domestic and foreign companies including contract, commercial, advanced payment, warranty, and maintenance bonds.
  

• Bid Bonds: Assure that the bid has been submitted in good faith and that the contractor will enter into the contract at the price bid and provide the required performance and payment bonds.
• Payment Bonds: Assure that the contractor will pay specified subcontractors, laborers, and material suppliers on the project.
• Performance Bonds: Protect the owner from financial loss should the contractor fail to perform the contract in accordance with its terms and conditions.
• Maintenance Bonds: A maintenance bond is one which normally guarantees against defective workmanship or materials for a specified period.

• Federal Non-Contract Bonds: Federal (non-contract) bonds are those required by the federal government, e.g. Medicare and Medicaid providers, customs, immigrants, excise, and alcoholic beverage.
• Public Official Bonds: Public official bonds guarantee the performance of duty by a public official, e.g. treasurers, tax collectors, sheriffs, judges, court clerks, and notaries.
• Judicial Bonds: Judicial and probate bonds, also referred to as fiduciary bonds, secure the performance on fiduciaries’ duties and compliance with court order, e.g. administrators, executors, guardians, trustees of a will, liquidators, receivers and masters. Judicial court bonds include injunction, appeal, indemnity to sheriff, mechanic’s lien, attachment, replevin, and admiralty.
• License and Permit Bonds: License and permit bonds are required by state law or local regulations in order to obtain a license or permit to engage in a particular business, e.g. contractors, motor vehicle dealers, securities dealers Blue Sky bonds, employment agencies, health spas, grain warehouses, liquor, and sales tax.
• Miscellaneous Bonds: Miscellaneous bonds – e.g. lost securities, lease, guarantee payment of utility bills, to guarantee employer contributions for Union fringe benefits and workers compensation for self-insurers.
• Subdivision Bonds: A subdivision bond is one which guarantees to a city, county, or state that the principal will finance and construct certain improvements such as street, sidewalks, curbs, gutters, sewer, and drainage systems.

Protect your business against financial loss with business insurance from G.F.H. Insurance Agency Inc. Call or apply online now for a free review and insurance quote for business and commercial insurance in central Virginia.

G.F.H. Insurance Agency Inc represents several top-rated carriers and can guide you to the program that will give you the best coverage for your specific situation. We can help find you the coverage you need from term life, whole life, and universal life insurance to key-man insurance and buy-sell funding and annuities.

We can also guide you toward the best carrier for your health insurance needs as well. You can request everything on our website, but we’re also local, right here in Richmond, Virginia, so you know you will get the personal attention you deserve.

Contact an insurance specialist at G.F.H. Insurance Agency Inc today to answer any questions about Life Insurance, Health Insurance, and Annuities or apply online now for a free review and insurance quote.

• Life Insurance (Individual)
• Life, Health, and Disability (Individual)
• Annuities
• Employee Benefits
• Health Insurance (Individual)
• Group Health Insurance
• Medical Insurance

• Business Event Insurance
• Celebration Insurance
• Charity Event Insurance
• Concert Insurance
• Festival Insurance
• Neighborhood and Block Party Insurance
• Private Club Event Insurance
• Wedding Insurance

For information on liability, cancellation and other forms of insurance for your wedding or special event, please complete the application below and mail, fax, or email it to us. We’ll get back to you as quickly as possible.

Special Event and Venue Insurance Application - Click the link below for an online quote:

Travelers Wedding Protector Plan

As the market for providing insurance for horses, horse-related businesses and activities has become more complex, we feel fortunate in having excellent programs to provide coverages for all areas of horse insurance.

• Care, Custody, and Control Insurance
• Equestrian Homeowner, Ranch, and Estate Insurance
• Equine Clubs and Associations Insurance
• Equine Commercial Liability Insurance
• Equine Event Insurance
• Equine Personal Liability Insurance
• Equine Professional Liability Insurance
• Race Horse Homeowner, Ranch, and Estate Insurance
• Race Horse Owner’s and Trainer’s Insurance

Full mortality policies provide coverage for death as a result of an injury, illness, or humane destruction, and includes loss or death as a result of theft. Full Mortality policies also include Free Emergency Colic Surgery Coverage, Agreed Value Endorsement, and Guaranteed Extension Coverage.

Optional coverages available to be added to a mortality policy include Major Medical coverage for the cost of medical and surgical procedures including diagnostics as a result of an accident, illness, or disease.

Also available are:

• Surgical Coverage
• Colic Medical, and Surgical
• Third Party Liability
• Territorial Limits Including Transit
• Stallion Infertility for A, S and D
• Full Loss of Use

Rates are based on breed, use, and age of each horse but you should call us for an accurate quote. It is possible to purchase mortality insurance for the total sales or purchase or lease or purchase price of a horse and protect both the buyer’s and seller’s financial interests in the animal.

There are all kinds of farms, ranches, and stables that require specialized knowledge and equipment. All require a specialized insurance provider and agent to protect your investments from emotional and financial impact of fires, theft, or litigation.

We are specialists who analyze your coverage needs and provide technical expertise. We offer a property and liability insurance program that’s designed to meet the current and evolving needs of your particular operation.

Your policy can be tailored so it’s appropriate to your particular operation, and bundles your home, farm, liability, and automobile insurance into one package.

 Coverage options can include the following:

• Dwellings
• Stables
• Barns
• Riding Arenas
• Other Farm Buildings
• Tack
• Computer Hardware and Software
• Farm Machinery
• Equipment
• Farm and Commercial General Liability Coverage Including:
• Personal Liability
• Care, Custody, and Control Coverage
• Loss of Income

• Commercial and Private Vehicles
• Passenger Vehicles

• Broad Protection Over Basic Personal and Horse Operations
• Business Liability

Commercial horse trainers and instructors should carry liability insurance. This policy provides comprehensive general liability coverage for bodily injury and property damage claims as a result of your business activities:

• Training
• Instruction
• Clinics
• Horse Sales
• Breeding
• Boarding
• Or any combination of the above business activities.

Under the terms of your policy, you are protected from claims brought against you as a result of your equine business activities at a variety of liability limits and protected anywhere in the United States or Canada.

If you think your standard liability insurance covers you when you board, breed, or have another person’s animal in your custody for any reason, please read on! You may save yourself much grief and money.

All public liability policies have a provision that excludes coverage for any animal for injury or death that you have in your care, custody, or control. Yet, the fact that you are not covered does not absolve you from legal responsibility for loss of an animal due to your own possible negligence.

If you are a trainer, boarding stable owner, or owner of a breeding farm, you CANNOT AFFORD to be without this protection. Fortunately, there is now a method of protecting yourself when you have animals that are in your custody.

This protection is called Care Custody Control Insurance coverage. It protects you against liability resulting from death or injury to animals in your custody, not only from fire but also from other causes.

The protection provides that if an animal owner makes negligence claims against a policyholder covered by this type of insurance, the insurance company will defend and will be responsible for making payment if it is determined that the loss is due to negligence and policyholder is legally liable.

Coverage is provided at a variety of per-horse limits and aggregates can be made part of many general liability and farm policies.

Personal Horse Ownership Liability Insurance programs are designed to provide complete liability protection to a person who owns a horse or horses used exclusively for pleasure or show where your homeowner's or tenant's policy will not provide coverage.

To qualify, however, you cannot be personally involved in a professional training, breeding, or boarding operation.

Personal Horse Ownership Liability plan covers you against bodily injury claims which may result from the use of your horse and includes property damage claims. The policy applies anywhere in the United States or Canada.

In many instances, this policy can be extended to cover premises owned or leased by you when your homeowner's policy will not provide personal liability where your horse is boarded.

This policy provides coverage for horse shows, clinics and all other equine related events. There is no limit to the number of show days that can be insured. The coverage is designed to provide protection from liability claims that may result from bodily injury or property damage to a spectator while attending your show.

The coverage includes:

• Spectator Liability
• Products Liability coverage
• Coverage for Show Judges and Officials
• Premises Owner as Additional Insured

In most cases, this policy can extend coverage for the preparation and dismantling of the show, limited to one day prior and one day after the show. Your premium is based on the number of show days and the limit of liability you select.

Equine Clubs and Associations Liability Insurance program covers the premises at which meetings, shows, and other activities are held by the club. Meetings, trail rides (non-competitive), gymkhanas, etc., are automatically covered when they are conducted for the sole benefit of the members.

Liability programs include:

• Spectator Liability
• Personal Injury Coverage (Libel and Slander)
• Premises Owner’s Protection
• Products Liability Coverage (Concession Stand)
• Coverage For Show Judges and Officials

Most basic policy premiums include two days of events in which non-members participate and up to 100 members.

Contact an insurance specialist at G.F.H. Insurance Agency Inc today to answer any questions about Equine Insurance or apply online now for a free review and insurance quote.

• Building and Building Services Insurance
• Consumer Services Insurance
• Media Insurance
• Professional Services Insurance
• Transportation Insurance

Call your central Virginia insurance specialists at G.F.H. Insurance Agency Inc today or apply online now for a free review and insurance quote for:

• Building and Building Services
• Construction Managers
• Luxury Home Builders
• Solar Contractors
• Specialty Trade Contractors Insurance
• Consumer Services Insurance
• Social Services and non-profit Organizations Insurance
• Homeowners Association Insurance
• Propane and Fuel Dealers
• Restaurants, Bar and Tavern Insurance
• Microbreweries and Wineries Insurance
• Media Insurance
• Entertainment Professional Insurance
• Film Insurance
• Club Complete
• Live Events
• Professional Services
• Errors and Omissions
• Directors and Officers
• Transportation
• Fleet Trucking (sand and gravel)
• Freight Transporters
• Courier Services
• Towing