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COVID-19 Update

While the agency is still very much up and running, earlier today we made the decision to close our doors to foot traffic. This was done in the interest of the health and safety of a community we have been honored to serve for more than 50 years.

Additionally we have plans in place for operating remotely should that become necessary in the days and weeks to come.

For assistance after hours, on weekends, or holidays, we ask that you visit There you will find resources and information concerning billing and claims service. Claims Hotline numbers are also posted below and are available to you 24-7.

As the COVID-19 crisis evolves, we will continue to keep customer service among our highest priorities.

At the bottom of this message you will find several links to web sites that are providing up-to-the-minute information to help keep you and your loved ones safe.

24/7 Claims Hotlines

  • Auto-Owners — 1-800-385-8858
  • Erie — 1-800-367-3743
  • Foremost — 1-800-527-3907
  • Hartford — 1-800-243-5860
  • Loudoun Mutual — 1-800-752-3458
  • National General — 1-800-325-1088
  • Progressive — 1-800274-4499
  • Selective — 1-866-455-9969
  • Travelers — 1-800-252-4633
  • WR Berkley 1-877-262-4178

Virginia Department of Health

Centers for Disease Control

World Health Organization

COVID-19 Policy Changes Possible for Commercial Clients

As a rule, we don’t encourage our customers to carry less coverage. We value the safety and well-being of your business far too much to ever suggest that you carry coverage limits that provide less-than-adequate protection.

However, these are unusual times and so we offer the following for your consideration:


If your insurance costs are determined by sales receipts (this is not the case for all commercial insurance policies), now may be the time to adjust your policy.

Many of our customers have seen their sales drastically reduced due to the COVID-19 crisis. If this is the case for your business, we would like you to consider making  temporary adjustments to the sales figures your insurance company uses to determine how much you must pay.


Likewise, many of our commercial customers have Worker’s Compensation policies for which premiums are determined by payroll.

If your payroll has been significantly reduced, reporting your new payroll figures to your insurance company could also help cut your operating costs.


Finally, if your business has multiple vehicles insured under a Business Auto policy, but many/most of those units have been taken off the road, removing those vehicles from your policy could generate considerable short-term savings.

*** IMPORTANT – If you decide to temporarily drop coverage on any vehicle, it is critically important that you deactivate that vehicles tags BEFORE removing it from your policy. Failure to do so, could create additional problems and expense due to DMV fines.

We all are eagerly awaiting a return to “business as usual.” Until then, making adjustments to your insurance policy/policies could generate significant savings at a time when saving money is critically important

Contact us today if you have questions or would like to make adjustments to your policy/policies.

We understand, if we can help our clients through these trying times, it is our responsibility to do so.

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