About G.F.H. Insurance Agency
A Richmond-based independent insurance agency built on long-term relationships, clear guidance, and local accountability.
Serving clients with 25 years of proven, long-term stability.
Insurance decisions often come with uncertainty, especially when you're not sure who to trust or whether your coverage will still make sense years from now. Many people want an agency that will still be there when they need help, not just when they first purchase a policy. GFH Insurance Agency, Inc. was established in 2001 and has maintained BBB accreditation since 2003, reflecting a consistent, verifiable presence in the Richmond area. That history translates into steady support, clear communication, and a relationship you can rely on over time.
We build relationships, not just transactions.
"Any insurance agent can just talk to you on the phone and then write you a policy. That’s easy.
But to do it right, your agent really needs to know and understand you and your needs. Which takes a lot more time and effort. In other words, the old fashioned way.
We enjoy spending time getting to know you. We won’t be rushed when we spend time together.
We truly feel that the more we know you, the more we are better able to provide you with our very best advice on the right insurance for you, your family, and your business."
Gerald F. Hemphill CIC, LUTCF
Principal Agent
What you can expect from us every step of the way.
Clear, Accountable Guidance
You know exactly who you're working with, including a named local principal, so decisions feel more transparent and grounded. When questions come up, you have a clear point of contact who understands your coverage and follows through.
Independent Carrier Access
You're not limited to a single company's policies, which means your options can be tailored to your situation. As your needs change, having multiple carriers available makes adjustments simpler and more flexible.
Long-Term Relationship Focus
Insurance isn't a one-time decision, and your needs will evolve over time. Ongoing support helps you revisit coverage as life, business, or property needs shift.
Straightforward Communication
Insurance language can feel overwhelming when it's not explained clearly. You get practical explanations that help you understand what you're choosing and why it matters.
A local agency rooted in the community we serve.
We're a different kind of insurance agency. Lori and Gerald Hemphill, GFH Insurance Agency's two principal agents, offer nearly forty years of combined insurance industry experience to provide the best information and assistance possible, building relationships with our clients that have even carried from one generation to the next.
- We are a local, family-owned business.
- We recognize our responsibility to make your insurance needs our first priority. Each member is dedicated to YOU, our valued customer.
- Better Business Bureau A+ member.
- Member, Professional Insurance Agents Association of Virginia & District of Columbia (PIA).
- Member, National Federation of Independent Business (NFIB).
- Honored to be an active member of our local community and to provide our support to several local non-profit organizations.
Your questions will always be answered by one of our local agents, not an offsite call center! We will always do our best to walk you through every aspect of your insurance coverage and needs from determining the best policy for your situation, acquiring coverage, handling claims, and billing issues to identifying additional coverage options you may not have considered or been aware of.
GFH Insurance Agency prides itself on being an independent agency.
Ready to Work With a Richmond Agency You Can Count On?
Choosing an insurance agency is easier when you know who you're working with and what to expect. GFH Insurance Agency offers steady, local support backed by a long-standing presence in the Richmond community.
