Business Details
44 Years
experience
Your Trusted Independent Insurance Agency in N. Chesterfield, VA
Founded in 1982 by Frank Butler Jr., our agency has built a legacy of trust and expertise in the insurance industry. As an independent agency, we prioritize client needs by partnering with top-tier carriers to deliver tailored coverage solutions. Our team combines decades of local knowledge with a commitment to personalized service, ensuring clients receive fair, prompt claims handling and competitive pricing.We specialize in auto, home, business, and life insurance, serving Virginia and North Carolina residents with transparency and integrity. Our mission remains unchanged: to provide peace of mind through comprehensive protection strategies designed for evolving life circumstances.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Medicare Medigap
Commercial Property Insurance
General Liability Insurance
Workers Compensation Insurance
ATV Insurance
Mortgage Protection Insurance
Details
- Year established: 1982
Highlights and features
- We offer independent agent representation to secure optimal coverage from multiple carriers.
- Our agency has served the community with insurance expertise since 1982.
- We provide personalized policy analysis and transparent cost comparisons.
- Our team advocates for clients during claims processing to ensure fair outcomes.
- We maintain competitive pricing through partnerships with financially strong insurers.
Services
Auto Insurance
Our auto insurance policies protect drivers against financial risk from accidents, theft, or natural disasters. We offer customizable coverage options including liability, collision, and uninsured motorist protection. Our local agents help clients understand policy details, compare premiums, and select plans that balance cost and comprehensive protection for personal and commercial vehicles.
Home Insurance
Homeowners insurance safeguards property investments against damage from fire, storms, or vandalism. We provide policies covering structural repairs, personal belongings, and liability claims. Our team explains policy nuances like replacement cost vs. actual cash value, ensuring clients understand coverage limits and endorsements for high-value items or additional structures.
Business Insurance
Business insurance protects companies from operational risks including property damage, liability claims, and employee-related incidents. We offer tailored solutions like general liability, workers' compensation, and cyber liability coverage. Our agency helps businesses assess risk exposure, comply with regulations, and implement cost-effective strategies to protect assets and continuity.
Life Insurance
Life insurance ensures financial stability for beneficiaries through death benefit payouts. We provide term, whole, and universal life policies, along with final expense and mortgage protection options. Our advisors help clients evaluate coverage needs based on family circumstances, estate planning goals, and income replacement requirements to secure long-term peace of mind.
Medicare Medigap
Medicare Medigap policies cover out-of-pocket costs not included in Original Medicare. We assist seniors in selecting plans that reduce deductibles, copayments, and coinsurance expenses. Our licensed agents explain coverage options, enrollment timelines, and plan comparisons to help clients maximize healthcare benefits while minimizing financial burdens during retirement.
People
Franklin Butler
Principal Agent
Franklin Butler, founder with over 40 years of insurance expertise, continues guiding clients while mentoring our team in N. Chesterfield.
Kim Butler
Agent/CSR
Kim Butler combines insurance knowledge with personalized service, specializing in policy customization and client support for personal and business needs.
Jennifer Davis
Agent/CSR
Jennifer Davis assists clients with coverage selection and claims advocacy, leveraging her experience to simplify insurance processes for local families and businesses.
Keith Reese
Agent/CSR
Keith Reese provides tailored insurance solutions, focusing on risk management strategies that align with clients' financial goals and protection requirements.
Rhonda Crowder
Agent/CSR
Rhonda Crowder supports clients with policy reviews and coverage adjustments, ensuring clear communication and satisfaction throughout the insurance lifecycle.
Questions
What types of insurance do you offer?
We provide auto, home, business, life insurance, and Medicare Medigap plans tailored to individual and commercial needs.
Why use an independent insurance agent?
Independent agents compare multiple carriers to find competitive rates and coverage that aligns with your specific requirements.
How can I lower my insurance costs?
Bundling policies, increasing deductibles, and maintaining good credit can help reduce premiums while maintaining adequate protection.
Do you serve businesses outside Virginia?
Yes, we provide commercial insurance solutions to businesses across both Virginia and North Carolina.
What happens during a policy review?
We assess your current coverage, identify gaps, and recommend adjustments to ensure your policy adapts to life changes or business growth.
How quickly can I get insurance coverage?
Many policies can be issued within 24-48 hours after application and underwriting approval for urgent protection needs.
