Gantt Insurance Agency

1801 E 3rd St
Farmville, VA 23901

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Does Your Business Need a Workers Compensation Insurance Policy?

Owning and operating a business can be exciting and stressful, and there are often many different things to consider. One of those is ensuring you have the right kind of security and protection to keep yourself, customers, employees, and assets safe and secure. If you’re in Farmville, VA, and looking for workers’ compensation insurance protection for your company, Gantt Agency wants to help.

It’s important to note that not all companies need this type of insurance. For example, if you’re self-employed and don’t have others working for you, you probably don’t need this kind of policy. The type of work your company does can also matter since some kinds of jobs have a much higher risk of injury than others. Working with an insurance agent is an excellent choice to ensure you meet local regulations and protect yourself and your company.

Our dedicated professionals can provide you with multiple quotes from insurers who offer the kind of policy you’re looking for, and we’ll be happy to answer your questions, as well. Then, you can have peace of mind when you operate your business, and you’ll know you’re covered if an employee gets injured while performing their duties. That can help you focus on company goals instead of worrying about whether you have good protection for your business.

Contact us today at Gantt Agency if you’re in the Farmville, VA, area and looking for workers’ compensation insurance. We can provide you with quotes from several insurers and answer your questions. That will make it easier for you to choose the best policy for your company and its specific situation so you can get back to working on growing your company and helping it be the best it can be for the future.

Five tips for buying commercial insurance for your business

The purpose of commercial insurance is to protect your business from various unforeseen circumstances. It is a great tool to protect your property, you as a business owner, and your employees. If you are currently searching for business insurance, here are some useful tips that will help you find an excellent policy:

  • Assess all the risks: Before getting a commercial insurance policy, always know what risks your business is exposed to. Remember that risks vary from industry to industry.
  • Think about insurance needs: Depending on the type of your industry, there might be certain regulations that you need to comply with. For example, if you operate a healthcare business, you may need additional insurance malpractice insurance. 
  • Shop around: The worst thing you can do is to settle for the first insurance policy you have found. Instead, talk to insurance agents from different agencies and ask them as many questions as possible. You should make sure you are getting the best value for your money. 
  • Understand the limitations: It is crucial to figure out an insurance policy’s limitations when getting one. If you are unclear about your policy’s limits and exceptions, make sure to talk to an insurance broker or agent and ask them to explain them in detail. 

Commercial insurance is what you need when you operate your business. Regardless of your business’s success, having business insurance is a must. Are you shopping for business insurance in Farmville, VA, or any other nearby area? Gantt Agency is here to assist you. At our agency, we do all we can to help our clients to find the perfect insurance plan. If you have any questions, do not hesitate to give Gantt Agency a call or send a message. 

What is the Difference Between SR22 and FR44?

Most Virginia drivers are unaware of SR22 or FR44 forms. However, some individuals are familiar with them, especially after being charged with a DUI or other major driving infractions. The staff at Gantt Agency in Farmville, VA, can assist with explaining the importance of filing the required paperwork.

What is an SR22 Form?

After being charged with a DUI, you must file an SR22 form with your insurance provider. Afterward, the paperwork will be forwarded to the Virginia Motor Vehicle Department for verification. The function of the form is to declare you a high-risk driver and confirm maintaining the state’s minimum auto insurance requirements. The law requires your insurance provider to contact the DMV if there is any lax in time with your policy.

What is an FR44 Form?

In Virginia, legal officials may require you to file an FR44 form after being charged with a DUI or caught driving with a suspended license. The form requires a person to hold higher liability coverage on their auto insurance policy. After filing an FR44 form, you must have $40,000 property liability coverage, $50,000 bodily injury liability coverage, and $100,000 accident liability coverage added to your current policy. The dollar amount is substantially higher than the state’s minimum requirement.

The Difference Between SR22 and FR44 Forms

The difference between the SR22 and FR44 forms is the wording of each document. SR22 is mandated, while a court reserves an FR44 for charged individuals. Also, the auto insurance liability coverage is quite different for each form. However, the required time for each is about the same (3-5 years for most cases). 

If you are unsure what the next step is after being required to file an SR22 or FR44 form, call Gantt Agency in Farmville, VA, for assistance. Our staff never underestimate the importance of filing such paperwork with the DMV. We can guide you through the process and provide the best options for your insurance needs. Call and schedule an appointment today. 

Trucking Insurance Hacks for Single-Driver Businesses

At Gantt Agency, we strive to assist Farmville, VA truck drivers in finding insurance policies that offer maximum safety. Whether you’re an individual driver running your own business or a larger operation, we provide in-depth coverage and support to suit your unique needs.

Staying Compliant

As you embark on the journey of finding the right truck insurance, it’s critical that you maintain compliance with your safety audits, checks, and roadside inspections. Meeting these standards gives you access to more insurance options and bolsters your vehicle’s safety.

Promoting Safe Driving

Passing safety audits is one thing; maintaining safe driving practices is another. Insurance companies value drivers with solid safety records and reward them with favorable policies. Make sure to keep them informed about your safety record to get the best rates.

Bundling Policies

If you already have several types of business insurance for your one-person trucking company, consider bundling them together with your trucking insurance. This collectively packaged policy can offer comprehensive coverage and simplify management.

Other Considerations

While shopping for high-quality trucking insurance, consider the following tips to streamline the process and get a policy that best meets your needs:

  • Maintain a solid credit score
  • Consider a lease with a larger carrier
  • Look into association insurance options
  • Choose a firm that specializes in trucking companies like yours

Gantt Agency Is Here to Help

Give us a call at Gantt Agency for top-quality trucking insurance for your Farmville, VA rig. Whether you’re a solo operator or a larger enterprise, don’t overlook the importance of high-quality insurance. Our team of experts is committed to guiding you through this often complex process.

Adequate Coverage for Your Restaurant Equipment

Preserving the condition of your restaurant equipment is essential. Consider the categories below. Then, consult with one of our Gantt Agency representatives about the coverage you need for your restaurant.


Operating a restaurant comes with risks. Fires, floods, acts of violence, vandalism, and theft could destroy expensive equipment. If restaurant equipment undergoes minor damage, you will be responsible for paying out-of-pocket costs.

Having access to insurance will reduce your financial responsibility. Inspect the inside and outside of your restaurant. This will help you determine the risk level that you will be facing.

For instance, if you own an older restaurant, failing to maintain the building could make it more likely that your place of business will be broken into. Once you determine your risk level, take measures to make your business setting safe and secure.


Take an inventory of all the restaurant equipment that you own. Record information about the appliances, storage units, machinery, and other items that are needed to operate your place of business.

During this process, note any items needing cleaning or repairing. All of your restaurant equipment should be in operable order when you decide to insure it.

If you own any equipment that is especially valuable, make a note of it. You may decide to purchase more insurance coverage for these items. You can use your notes when you are reviewing different types of insurance coverage.

Contact Gantt Agency in Farmville, VA

The steps above will prepare you for a consultation with one of our agents who serve Farmville, VA. The agent whom you contact will advise you on restaurant insurance products that will be useful to you.

Safety Considerations If I Rent My Finished Garage

Here at the Gantt Agency in Farmville, VA, we can make certain that renting out or leasing your finished garage will not cause you any headaches. In addition to helping you obtain the correct coverage for your rental unit, we can troubleshoot potential health and safety problems and reduce risks. We will also happily advise you on the right fire suppression, smoke alarms, CO2 detectors, and possible radon issues so that your premiums stay as low as possible. Call or email us today for a free consultation about your current coverage.

Your Unit Must Meet the Minimum Standards of Health, Safety, and Sanitation in Virginia

If you intend to rent your finished garage to a tenant who will occupy the unit as a residence, the Code of the Commonwealth of Virginia requires that your unit meet certain standards. These include: 

  • No fire hazard or serious threat to the life, health, or safety of tenants or occupants of the unit.
  • No rodent infestation.
  • Working heat, hot/cold running water, electricity.
  • Adequate sewage disposal facilities.

Virginia Fire Code for Residential Rental Properties

For the best rate on your finished rental, it must meet or exceed the Virginia Statewide Fire Prevention Code (SFPC). Among other things, your garage must have fire-resistance-rated partitions, fire barriers, and firewalls between the finished garage and the main dwelling. There must be sufficient dimensions in windows, doors, and hallways to permit firefighters to access all living spaces.

Our agents here at the Gantt Agency in Farmville, VA will be happy to advise you on how to document the conditions currently existing in your finished garage rental unit as soon as you get in touch. Give us a call today!

Who Workers Comp Really Protects

Even the smallest businesses in Farmville, VA with as few as one employee, may be required to carry workers’ compensation insurance. This is a long-established governmental policy that ensures workers can get compensation should they become injured while performing work-related duties. This coverage is paid for by the employer.

On the surface, this may appear only to benefit the employee.

First, you should understand that Gantt Agency can help employers seek out coverage that is compliant with what the law mandates. You should also be aware that workers’ compensation is more of a two-way street that is recognized by many.

Benefits For Employees

When an employee is injured while performing work-related duties and misses time from work due to the injuries, they can apply for workers’ compensation insurance. When injuries are verified, an employee can receive payments to compensate him or her for wages lost due to the injury.

This works as a buffer between the employee and employer and provides income until the employee can return. In some cases, these payments can be lengthy or even permanent.

For Employers

Workers compensation provides provisions that can protect a business owner from losing his business due to an employee injury. Since employees are compensated, they cannot sue a company for liability claims unless the company has been extremely negligent and the injuries are serious. As long as the company performs its due diligence in operating safely and in providing appropriate training, it can benefit from workers’ compensation insurance.

Gantt Agency Is Here To Help

Companies can lower their workers’ compensation rates by providing a safe environment that limits claims. The team at Gantt Agency can not only help with suggestions on maintaining a safe workplace but can also provide a workers’ compensation plan that can be effective and efficient for both you and your staff. Reach out to us and see what we can do for you.

Key Things to Know about Commercial Cyber Insurance

Few businesses operate today without computers to pay bills, interact with customers and suppliers, and monitor competitors down the street or on the other side of the world. While computers and networks are invaluable tools, they expose businesses to potential cybercrimes that could halt their operations and harm their reputation. If you are in the Farmville, VA area and want to protect your company from the financial effects of cybercrime, our Gantt Agency team is ready to serve you.

What is Cyber Insurance, and Who Needs it?

Cyber insurance protects against cybercrime, which involves using a computer to steal information from others or limit the information owner’s use. Cybercrime is a potential problem for companies that store customer information or rely on computers, networks, and cloud-based platforms to run their business. If your business meets those criteria, you should consider the protection of cyber insurance.

Cyber insurance has three primary elements:

First-party: Covers the cost of investigating issues, notifying customers, and your lost revenues and ransomware payments.

Third-party or cyber liability: Despite being a victim, you may be responsible to others for attorney fees, settlements, and fines and losses others suffer due to the cyber incident.

Errors and omissions: Mostly needed by technology businesses, this coverage protects against losses others suffer due to faulty logic, code, or other issues among those using their products and services.

Some insurance companies require that you take specific preventive steps before they issue a cyber insurance policy, while additional preventive measures may lead to discounted premiums.

Have Questions? Consult With Us

The team of experts at Gantt Agency handles the business and personal insurance needs of many in the Farmville, VA area. Drop by or call us today to build an insurance plan that protects your business and personal assets.

Is SR-22/FR-44 Insurance a Requirement?

If you have come across the term SR-22/FR-44 in reference to auto insurance, you might wonder if it’s a requirement in Farmville, VA. Here is an overview of what SR-22/FR-44 insurance is and if you’re required to obtain such a policy before you can legally drive a vehicle in Virginia. 

What is SR-22/FR-44 Insurance?

SR-22/FR-44 insurance is a special document required by the Commonwealth of Virginia for individuals who have either been convicted of a DUI within the past three years or those who have driven on a suspended or revoked license. Florida is the only other state that requires this document in these instances. Obtaining this form enables you to have your driver’s license reinstated before you can legally drive again.

How Do I Obtain an SR-22/FR-44 Insurance Certificate? 

Typically, you will be provided with instructions on how to obtain this certificate if it has been deemed necessary in Virginia. You must find an insurance company like Gantt Agency that provides these certificates, which will serve as proof that your insurance policy meets the state minimum required as a condition of your driver’s license reinstatement. 

Gantt Agency Is Here To Help!

As you can see, not everyone needs SR-22/FR-44 insurance in order to drive in Virginia. However, if you have been told by the Commonwealth of VA that you are required to have this special certificate, then you will notice that your car insurance rates are costlier, as you will be required to carry higher minimums for your liability.

The best thing to do in this situation is to shop around to best meet your insurance needs. We at Gantt Agency provide auto insurance as well as SR-22/FR-44 certificates to individuals living in Farmville, VA, and we will ensure you are our top priority. 

Trucking Insurance for the Loaded and Unloaded Commercial Vehicles

The trucking industry is the backbone of the economy, transporting goods across the nation day and night over millions of miles of highway. Whether it’s a truck loaded with valuable cargo or an empty one returning from a delivery, commercial vehicles face various risk factors on the road and around the Farmville, VA area. 

Loaded Commercial Vehicles: Protecting Valuable Cargo

Cargo Insurance: This insurance covers damage or theft of the cargo being transported. It ensures that the financial burden does not fall solely on the trucking company or owner-operator if the unexpected happens.

Liability Coverage: Liability coverage is crucial to protect against claims or lawsuits in case of accidents or damage caused by the loaded vehicle. It helps cover medical expenses, property damage, and legal fees.

Unloaded Commercial Vehicles: Comprehensive Protection

Bobtail Insurance: Bobtail insurance protects the truck when it’s not hauling a trailer or cargo. It covers incidents that can occur while the truck is on the road for personal use or in transit to pick up a load. This insurance is essential for owner-operators who use their trucks for various purposes.

Physical Damage Coverage: Unloaded trucks are still valuable assets while not carrying cargo. Physical damage coverage protects against damage to the truck, whether caused by accidents, vandalism, or natural disasters. It’s a crucial insurance component for both loaded and unloaded commercial vehicles.

The Importance of Adequate Coverage

Trucking insurance is not one-size-fits-all. Trucking companies and owner-operators must assess their needs and choose the proper coverage. Factors like the type of cargo, routes traveled, and the value of the truck all influence the insurance requirements.

Gantt Agency Can Help You

At Gantt Agency, we can help answer questions concerning trucking insurance. We serve the Farmville, VA area. Contact us today.