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Farmville, VA 23901

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What Is SR-22/FR-44 Insurance?

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In all states, auto insurance is required, but the amount of that insurance is different from state to state. Some states also allow for a different type of proof of financial responsibility for accidents in lieu of insurance. However, most people go the auto insurance route to show their financial responsibility. If you need enough auto insurance to keep your vehicle legal, give us a call at Gantt Agency in Farmville, VA to find out more. 

Financial Responsibility Certificate

Because each state has its own auto coverage laws, there are very specific types of coverage and amounts of coverage that you must have. If you get auto insurance that is at least these amounts, you can get an SR-22. This isn’t really a form of insurance- it’s a certificate that you are given for having at least the minimum amount of insurance coverage required by your state. This form may be required for you to be able to drive legally. 

FR-44 Forms

Like the SR-22, the FR-44 form is a certificate that proves that you have enough auto insurance to legally drive in the state. For this form, you usually have to have a higher amount of liability coverage than is required by the state. While SR-22 can be granted for meeting the state minimums, you generally have to add coverage onto your policy for liability in order to get an FR-44. 

SR-22/FR-44 Requirements

States often require a driver to have one of these forms because they have had certain driving violations such as reckless driving or DUI. If the state requires you to have one of these forms, you will be notified by them. 

Get Insured

Another reason that you might need one of these forms is that you went without insurance and caused an accident. To avoid this, you need auto insurance. Call us at Gantt Agency in Farmville, VA.

Does Your Virginia Home Insurance Policy Have These Important Coverages?

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When you have home insurance in Virginia, it’s easy to just get the minimum amount of coverage so that you know you are covered if something happens. However, there are a number of unforeseen events that you might need coverage for down the road.

At Gantt Agency, we want Farmville, VA residents to feel secure in their Virginia home insurance policy so that they are covered for every possible life circumstance. There may be coverage for events that you don’t even know about. Learn what is available so that you will be protected for any event.

Contents Coverage

If you have the minimum Virginia home insurance requirements, you may not have contents coverage. Do you know how much it will cost to replace items that you own?

You probably don’t want to think about that. Take an inventory of everything in your home, and put a value on that.  You won’t have to think about that anymore if you have contents coverage for your home insurance policy.

Living Expenses

Sometimes bad things happen to good homes. You may have to leave it for a little while when an emergency happens. Living expenses coverage will help you to pay for any hotels, food, and transportation if you are temporarily displaced or evacuated from your home because something bad happened.

Storm Coverage

There are a number of options and needs for storm coverage in Virginia. You may want to add sewage coverage, and riders for hail, flood, or wind.

Personal liability insurance is important. However, you may be more likely to have bigger problems than a slip and fall on your property. Make sure your storm insurance is added on or up to date.

Get a Quote

At Gantt Agency, we can help Farmville, VA residents to secure the most complete coverage for their home insurance. Call us for a quote today.        

The Limitations of Your Auto Insurance Policy

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At Gantt Agency, our many Farmville, VA area customers regularly ask us about the limitations on their car insurance policies. They’ve likely heard this term before but are not aware of what it refers to. As a result, it is crucial to carefully consider these points and find an option that works for you. 

What are Car Insurance Limits?

Your auto insurance will cover liability and auto repair up to what is defined as a limitation or limit. In other words, your policy has a maximum payout that it will cover before you have to pay the rest. Thankfully, this limit is set relatively high to help ensure that most issues are easily covered. 

Limitations may also refer to things that your auto policy will not cover. Typically, these elements include maintenance issues that you should have spotted, such as problems with a transmission that you failed to repair. It may also include things that you do to your vehicle outside your policy. 

For example, people who perform various DIY repairs may find that these fixes do not get covered by their insurance. That’s because an unlicensed mechanic (i.e., you) performed these repairs. In this situation, you may be limited on what kind of coverage that you can get and may even end up invalidating your policy and struggling to get coverage for a broad range of issues. 

Finding a Policy That Works 

Please don’t hesitate to contact us at Gantt Agency serving Farmville, VA, right away to learn more about your insurance options. Our team is skilled at helping people like you understand what policies are necessary for their vehicle. We’ll then work directly with you to find a payment plan that makes sense, giving you the kind of help needed to minimize any complications in the future. 

Worker’s Compensation FAQs

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Worker’s Compensations Frequently Asked Questions

As a business owner working in and around Farmville, VA, you’re required by law to carry worker’s compensation insurance, and the Gantt Agency can help! But what exactly is worker’s compensation and what does it cover? Is there any way to lower your premium? What happens if you’re not covered? We answer all your pressing questions below:

Top 5 Worker’s Compensation Questions

Worker’s compensation is a necessary business expense that can protect employers and employees from financial loss resulting from a wide range of events, including moving and handling equipment, falls, car accidents, and more. It’s important to fully understand this insurance and to make sure you’re adequately covered. 

Who Needs Worker’s Compensation Insurance?

While a couple states make worker’s compensation optional, it’s required by law in most states, including Virginia. The Virginia Worker’s Compensation Act requires all businesses with at least three or more regular part-time or full-time employees must carry worker’s compensation insurance. This means that if you run a family business and you and your spouse are the only employees, you may not have to have coverage. Likewise, if you hire only freelance employees, you may be exempt (Or, you may not, depending on who is controlling the work and where the work is performed. If the work is performed onsite, it’s best to have worker’s comp even if your workers are designated 1099 contractors.) 

In most situations, if you hire anyone else for any reason, including seasonal and temporary employees, you need to have worker’s comp. 

What’s Covered by Worker’s Comp?

Worker’s compensation is a mutually beneficial policy that protects employees from financial loss while protecting employers (you) from liability. Worker’s compensation insurance can help cover medical bills, lost wages, ongoing care and treatment, legal expenses related to lawsuits, settlements for employee injuries, and even funeral costs in the unfortunate event of death as the result of a work-related accident or illness. 

What’s Not Covered by Worker’s Comp?

While worker’s compensation is designed to be a catch-all policy that covers a wide range of accidents and other events, there are a few specific circumstances that may be excluded from your policy. These include accidents that result from worker intoxication, injuries resulting from a fight an employee started, and intentional injuries (ie insurance fraud.) For a full list of excluded events, check with your insurance agent. 

How Do I Know How Much Worker’s Compensation Coverage I Need?

Your insurance agent can help you tailor the right coverage for your business. Factors that affect your desired coverage limits and your premium include the number of employees you hire and the type of work you do. A small office with six employees will have much lower coverage requirements than a manufacturing plant doing heavy industrial work with sixty employees. 

How Do I Get a Worker’s Compensation Policy? 

The best way to get a worker’s compensation policy that’s accurate and adequate for your business operations is to work with a licensed and registered insurance agent. The commercial insurance specialists at the Gantt Agency will work with you to customize a policy and have your Farmville, VA business protected in no time. 

Need a worker’s compensation policy? Contact us and get started today! 

Should I get a new auto insurance plan in Virginia?

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People that are in the Farmville, VA area will almost always benefit by owning a car. With a vehicle, you are going to have an easier time getting around town and enjoying all that the area has to offer. If you want to get a car in this area, you should also consider your insurance needs. There are a few reasons that you should get a new auto insurance plan here. 

Coverage Protects Your Vehicle

If you are a car owner in this area, it is likely something that you rely on to get to and from work and complete other tasks. Due to this, you need to ensure that you keep quality insurance protection on it. With a collision and comprehensive plan, you will continue to have the proper coverage that can help you repair or replace your vehicle in a variety of situations. 

Comply with Law

You should also get an auto insurance plan to ensure you comply with the law in your area. In Virginia, all drivers need to carry liability insurance. If they do not have this protection, they will be in violation of the state law and can be penalized. Further, they will need to cover any damages caused out of pocket if they are responsible for an accident. 

Having an auto insurance plan in the Farmville, VA area is a necessity for practically any car owner. If you are in the market for a new insurance plan in this area, it would be helpful to call the Gantt Agency. There are a lot of factors to consider as you are shopping for coverage for your vehicle. Gantt Agency can help you assess your situation and give any support that is needed to choose an appropriate plan that will meet your needs. 

Two Types of Mandatory Commercial Insurance

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When you own a small business, many different insurance policies can come in handy. However, very few are mandatory. Many other policies are recommended for business owners to give themselves better protection against lawsuits and other costs. If you need commercial insurance in Virginia, call us at Gantt Agency in Farmville, VA today.

Workers’ Compensation

This is an insurance type that is required for most small businesses in Virginia. If your business has two employees or more, state law requires that you cover them with workers’ compensation insurance. This covers illnesses and accidents that happen to your employees at work. If you don’t have this coverage, you can face fines and fees that result from not having the proper insurance. If you don’t have this coverage, you are also open to lawsuits from anyone who gets sick or becomes injured at work. It even pays for the lost wages of your employee if they are unable to work due to their injury or illness. 

Commercial Auto

With this type of insurance, a vehicle owned by the business is covered in case of an accident that injures people and/or causes property damage. In most cases, a personal auto insurance policy will not pay out if the accident happened during the business’s course. With a commercial auto policy, your liability to both cars and people is covered when the vehicle is used for business tasks. 

Get Your Commercial Auto Insurance Policies

If you meet the criteria for commercial insurance coverage, but your business doesn’t yet have it, you could be fined or cited. And even worse, you could become liable for a serious accident that you weren’t insured against. If you need a commercial policy, contact us at Gantt Agency in Farmville, VA.

Why is trucking insurance necessary in Virginia?

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The trucking and shipping industry continues to be very important as it is responsible for transporting necessary products all over the country. Due to the value that the trucking industry provides, there continues to be a demand for those in the industry. If you operate in the trucking industry in the Farmville, VA area it is important to ensure that you are properly insured. A trucking insurance plan can offer several forms of coverage that will make it a practical necessity. 

Insurance Protects Assets

A key reason that you will need to have a trucking insurance plan when in this area of the state is to ensure your business assets are covered and protected. To operate in the trucking environment, a company will need to own different pieces of expensive equipment. The best way to protect all of your valuable assets is by getting a trucking insurance plan. 

Insurance Gives Liability Protection

It would be best to get a trucking insurance plan because it will provide you with liability protection. Those in the trucking field will take on a lot of liability risk, including the risk of causing an accident or damaging cargo. With a full trucking insurance plan, you will get the protection needed to offset this risk, which could be very helpful for your business. 

Those that are in the Farmville, VA area and are in the trucking industry need to make sure that they get the right insurance in place. When looking for trucking insurance, you should call the Gantt Agency. The team with the Gantt Agency knows how important this coverage is. They can offer you the guidance needed to build a plan that is ideal for your situation.

Learn the difference between an SR22 and an FR44

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Are you a high-risk driver in Farmville, VA? If you have a DUI on your driving record or have caused multiple accidents, you are classified as a high-risk driver and might require additional auto insurance protection. SR-22 and FR-44 come to effect when dealing with such drivers. 

The two come as special filings attached to your car insurance and aim to show that you have sufficient coverage required in your state. If you have SR-22 or FR-44, then your driving behaviors are wanting.

But do many people even know about the existence of the two policies? If this is your first time hearing about them, Gantt Agency is here to provide more information about the policies. Read on to understand the difference.

SR-22 Insurance

When you’re a high-risk driver with an SR-22, it means your auto insurance carries some extra coverage. The insurer notifies the DMV that you’re insured and fit to drive on the road. 

In case the policy expires, the insurer is also required to report to the DMV. Carrying SR-22 will likely see you pay higher premiums than others due to the high risk of filing claims. SR-22 is not a type of insurance but rather a notice that you’re insured in case of liability. 

FR-44 is similar to SR-22 but mainly used for DUI offenders. If you’re charged with DUI, then you’ll certainly need FR-44. Unlike SR-22, FR-44 requires that your auto coverage limit be at least $100,000. The argument behind it is that drunk drivers are likely to commit repeat offenses. 

Do You Need SR-22 or FR-44?

Reckless driving is no fun, and we advise that you should avoid it at all costs. However, if you’ve found yourself in trouble already, there’s no need to dig deeper. Get yourself some protection.

Are you a high-risk driver in Farmville, VA? Reach out to Gantt Agency for more information on how to get adequate auto insurance.

Who should get a commercial insurance plan in Virginia?

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The Farmville, VA area continues to grow and offers a lot of opportunities to small business owners. If you are going to start a business in this area of Virginia, getting proper insurance coverage for your company is very important. One type of insurance that you will need to have is commercial coverage. There are several scenarios in which someone should get a commercial insurance plan for their business.

Those that Invest in Business Assets Need Coverage

A situation when you will want to have a commercial insurance plan is when you invest in business assets. Many businesses will require an investment into some core assets to get their company moving and off the ground. Those that choose to get a commercial insurance plan will receive the coverage they need to protect these assets. With proper coverage, you will be protected if the assets are stolen or otherwise damaged.

Those that Want Liability Coverage Need Coverage

You will also want to get a commercial insurance plan if you want liability protection. There is always a risk that a small business could be named in a liability claim. If this happens to you, it could be very detrimental to your company. Thus, you must get a commercial insurance plan that will offset this risk by providing liability coverage. 

If you want to get a commercial insurance plan in the Farmville, VA area, it would be wise to call the Gantt Agency. The team with the Gantt Agency understands how important commercial coverage is. They can offer you the guidance needed to assess your insurance needs and pick a plan properly. This can help to ensure your business stays properly covered in the future.

Why should I get a garage insurance policy?

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Owning a commercial garage in Farmville, VA is a great way to make a living. There continues to be a demand for the services that garage owners can provide, which means you will always have a flow of customers. If you would like to own a garage here, you also need to make sure that you protect your company with insurance and liability. There are a few reasons that you should get a garage insurance policy. 

Coverage for Accidents in Garage

When you own or operate a commercial garage, there will always be a lot of activity that includes using machinery and moving items around. This activity could lead to accidents where someone gets hurt. Fortunately, when you get a full garage insurance policy, you can mitigate this risk by getting appropriate liability protection. 

Coverage for Lost Items

A garage owner may use the space to store products for clients. If you are storing cargo or products in a commercial garage, you will take on some liability for these items. When you get a proper insurance plan, it will offer you the coverage that could be used to mitigate this risk. This could be very helpful if there is ever a fire or theft that results in a loss of customer assets. 

If you are looking for a garage insurance policy and are in the Farmville, VA area, it would be good to call the Gantt Agency team. Many important choices and factors need to be considered when looking for garage insurance. The Gantt Agency team will help you understand your options and build a policy that provides ample coverage. This can help to ensure you remain properly protected at all times.