Business Details
Your Trusted Insurance Partner in Richmond, VA
G F H Insurance Agency has built its reputation on fostering meaningful relationships rather than transactional interactions. As a local, family-owned business and Better Business Bureau A+ member, we prioritize understanding our clients' unique needs to provide tailored insurance solutions. Our team of experienced professionals, including Principal Agent Gerald F. Hemphill and Agent Lori B. Hemphill, brings decades of combined industry expertise to serve residents and businesses across Virginia and North Carolina. We specialize in auto, home, business, and specialty insurance products, including coverage for classic cars, motorcycles, RVs, and equine operations.Our commitment to personalized service ensures clients receive comprehensive advice and support throughout the insurance process, from policy selection to claims resolution. As an independent agency, we partner with multiple top-rated carriers to offer competitive pricing without compromising coverage quality. Our dedication to the community extends to supporting local nonprofits and maintaining active involvement in professional organizations like the Professional Insurance Agents Association. With virtual consultation options and a focus on transparency, we aim to make insurance accessible and stress-free for every client.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Classic Car Insurance
RV Insurance
Boat Insurance
Contractor Insurance
Wedding Insurance
Equine Insurance
Cyber Liability Insurance
Highlights and features
- Local, family-owned business with deep community ties
- Better Business Bureau A+ accredited agency
- Agents with decades of combined insurance expertise
- Personalized policy customization for unique needs
- Partnerships with multiple top-rated insurance carriers
Associations and certifications
- Better Business Bureau
What people say
Best people best service
Saves customers hundreds annually
Professional and approachable team
Family-like atmosphere
Thorough coverage analysis
Services
Business Insurance
Our business insurance solutions protect companies of all sizes with customizable policies covering general liability, workers compensation, commercial auto, and specialized risks. We tailor coverage to match your industry-specific needs while ensuring cost-effective protection. Our experienced agents work closely with clients to identify potential risks and implement comprehensive insurance strategies that safeguard both assets and operations.
Classic Car Insurance
Specialized classic car insurance provides agreed value coverage and unique protections for antique and specialty vehicles. We offer policies that recognize the distinct needs of classic car owners, including coverage for custom parts, show participation, and limited usage patterns. Our program ensures proper protection while maintaining affordability for cherished automotive collections.
Equine Insurance
Comprehensive equine insurance solutions cover horse owners, trainers, and facilities with specialized policies for mortality, liability, and care custody control. Our programs address the unique risks associated with horse ownership and equine businesses, including event coverage and specialized medical protections. We provide tailored solutions for both personal and commercial equine operations.
Cyber Liability Insurance
Modern cyber liability insurance protects businesses against data breaches, network security failures, and digital risks. Our policies include coverage for data recovery, legal compliance, and business interruption losses. We help companies implement risk management strategies to protect sensitive information while ensuring proper insurance safeguards are in place.
Wedding Insurance
Wedding and special event insurance protects against unexpected disruptions with customizable policies covering cancellation, liability, and vendor issues. We offer comprehensive protection for both personal celebrations and commercial events, ensuring financial security against weather disruptions, vendor failures, and other unforeseen circumstances that could impact your special occasion.
People
Gerald F. Hemphill
Principal Agent, CIC, LUTCF
With over 30 years of insurance experience since 1993, Gerald Hemphill holds prestigious CIC and LUTCF designations. He specializes in commercial and life insurance while leading the agency's strategic direction. A Campbell University graduate, he previously served as PIA Virginia/DC President and continues on the National PIA Board.
Lori B. Hemphill
Agent, Account Manager
Lori Hemphill brings 20+ years of insurance expertise, focusing on personal lines management. With prior experience as a paralegal and title insurance underwriter, she excels in complex home and auto risk assessments. She oversees the agency's dedicated personal lines team with a focus on exceptional client service.
Raelyn Acosta
Commercial Accounts Manager
Born and raised in Richmond, Raelyn specializes in commercial insurance solutions. She manages all aspects of business policies including new acquisitions, claims processing, and account management. Her local market knowledge helps businesses navigate complex commercial insurance requirements effectively.
Questions
What types of insurance does G.F.H. Insurance Agency offer?
We provide auto, home, business, classic car, RV, boat, equine, wedding, and cyber liability insurance, along with specialized coverage for contractors and manufacturers.
Do you serve both individuals and businesses?
Yes, we offer personal insurance for residents and commercial policies for businesses of all sizes across Virginia and North Carolina.
Are you affiliated with any professional organizations?
We're Better Business Bureau A+ rated and active members of the Professional Insurance Agents Association and National Federation of Independent Business.
Can I get insurance quotes online?
Yes, request virtual consultations or submit online forms for instant quotes on any of our insurance products.
How do you help clients save money?
Our independent agency status allows comparison shopping across multiple carriers to find competitive rates without compromising coverage quality.
What sets you apart from other agencies?
Our decades of local experience combined with personalized service create lasting relationships that extend beyond standard insurance transactions.
Reviews (6)
Teresa Baldwin
Jun 08, 2021
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G.F.H. is a full service agency. They have handled my business and personal insurance for over 20 years. They are responsive to all my needs and make sure I receive the best value.
Daphne Edwards
May 06, 2021
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Excellent customer service. Pleased with responsiveness and guidance choosing insurance for my new business. Mr. Hemphill assisted me finding the coverage I needed at a very reasonable cost. COVID has affected many businesses such that customer care is lacking. I was pleased that I received prompt response to all of my inquiries and Mr. Hemphill was definitely knowledgeable.
Shawnee Rae
Feb 19, 2021
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I've been with them for 5years. They are always very helpful and knowledgeable with any question or concern I have had.
Big Ray & The Kool Kats
Nov 22, 2020
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GFH has been handling the insurance for my small entertainment company for many years. As a musician, I'm not always as organized as I'd like to be and I sometimes reach out a little panic stricken for a Certificate of Insurance on a moment's notice. THEY HAVE NEVER ONCE LET ME DOWN. NEVER ONCE, and I bet it's been over 20 years. Save your self the time and trouble of shopping around. They're very competitive and you can't put a price on the level of customer service they deliver.
HayaQ
May 01, 2019
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Been with them for ten years. even when I move and come back, I hunt them down. you will never lose w GFH
David Rice
Dec 06, 2015
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Best people.best service. Insurance is a must and a simple fact of life. You might as well enjoy the people who help and advise you through the process! G.F.H. does it right!
