Insurance Products

At GFH Insurance, we take the time to understand your changing insurance needs.

We will put a personal insurance or business insurance program in place that will deliver economy, superior protection, and risk management assistance.

Some products and services may not be available in your area. Please contact us for more information.

Auto & Muscle Car Antique Car Insurance GFH Insurance

Vehicle & Watercraft Insurance

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

Auto Insurance for Drivers in Virginia
All Virginia residents need to protect themselves should their car or truck be damaged or stolen. Even more important is insurance for liability – property damage or injury to others caused by you and other household members as a result of operating a motor vehicle.

That’s where the value of an independent insurance agent comes in.
We can help you sort out property damage, liability and other car insurance policy features like medical payment reimbursement and reimbursement for injury caused to you by an uninsured or underinsured driver.

A policy customized just for you
There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your vehicle, teenage and guest drivers, just to name a few.

Save on insurance premiums without sacrificing protection
GFH Insurance represents several top-rated car insurance companies so that we may help you sort through your options and get multiple auto insurance quotes.

Some car insurance discounts available to you:
Education Level
Safe Driver
Safety Equipment
Homeowner/Multiple Policy Credit
Safety Features

Call GFH Insurance today at (804) 557-3113 or apply online for a free review and insurance quote for automobile or watercraft insurance.

Affordable homeowner and renters insurance in Virginia from GFH Insurance 804 740-5711
Personal property insurance in virginia by GFH Insurance4

Homeowners and Renters Insurance

  • 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

Homeowners insurance protects your property – both your house and things in it – from losses due to fire, wind, theft and 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.

Customized Insurance for your Central Virginia Home
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 GFH Insurance will assist you in tailoring a homeowner’s insurance policy that is right for you.

Contact an insurance specialist at GFH Insurance today to answer any questions about homeowners or renters insurance. Call (804) 557-3113 or apply online now for a free review and insurance quote.

Affordable RV, travel trailer and mobile home insurance in Virginia from GFH Insurance 804 740-5711

Travel Trailer, RV and Mobile Home Insurance

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

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

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

What is travel trailer or mobile home insurance?
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.

Coverage Options
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/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.

Additional Coverage Options for RVs
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 at 804-740-5711 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.

Business & Commercial Insurance by GFH Insurance

Business & Commercial Insurance

  • 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

GFH Insurance 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.

GFH Insurance 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 GFH Insurance. Call (804) 557-3113 or apply online now for a free review and insurance quote for business and commercial insurance in central Virginia.


Bid & Surety Bonds

GFH Insurance 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.

Contract Surety 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.

Commercial Surety Products

  • 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 & 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 GFH Insurance. Call (804) 557-3113 or apply online now for a free review and insurance quote for business and commercial insurance in central Virginia.


Life Insurance & Annuities for Individuals & Families

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

GFH Insurance 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 today to answer any questions about Life Insurance, Health Insurance and Annuities at (804) 557-3113 or apply online now for a free review and insurance quote.

Affordable special event, wedding, insurance in Virginia from GFH Insurance 804 740-5711
special event insurance in Virginia by GFH Insurance

Special Event Insurance

  • Business Event Insurance
  • Celebration Insurance
  • Charity Event Insurance
  • Concert Insurance
  • Festival Insurance
  • Neighborhood/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 & Venue Insurance Application
Click the link below for an online quote:

Special Event Insurance from GFH Insurance in Virginia

Equine Insurance by GFH Insurance
GFH Insurance - photo by Terri Aigner

Farm and Equine Insurance

  • Care, Custody & Control Insurance
  • Equestrian Homeowner, Ranch & 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 & Estate Insurance
  • Race Horse Owner’s & Trainer’s Insurance

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.

Full Equine Mortality & Major Medical Coverage
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 & Surgical
Third Party Liability
Territorial Limits Including Transit
Stallion Infertility for A, S & 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/purchase or lease/purchase price of a horse and protect both the buyer’s and seller’s financial interests in the animal.

Farm, Ranch & Stable Insurance
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.

Replacement Cost Coverage for:
Riding Arenas
Other Farm Buildings
Computer Hardware and Software
Farm Machinery
Farm/Commercial General Liability Coverage Including:
Personal Liability
Care, Custody and Control Coverage
Loss of Income

Automobile Coverage for:
Commercial and Private Vehicles
Passenger Vehicles

Umbrella/Excess Liability:
Broad Protection Over Basic Personal and Horse Operations
Business Liability

Commercial Equine Liability
Commercial horse trainers/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:

Horse Sales
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 protects you anywhere in the United States or Canada.

Care/Custody Control
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
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 homeowners or tenants 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 homeowners policy will not provide personal liability where your horse is boarded.

Equine Events
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 & Associations
Equine Clubs & 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/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 today to answer any questions about Equine Insurance at (804) 557-3113 or apply online now for a free review and insurance quote.

Affordable speciality insurance including restaurant, tavern, microbrewery winery, towing and more in Virginia from GFH Insurance 804 740-5711

Specialty Insurance

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

Building & 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
Fleet Trucking (sand and gravel)
Freight Transporters
Courier Services

Call your central Virginia insurance specialists at GFH Insurance today at (804) 557-3113 or apply online now for a free review and insurance quote.

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