Who we are.
Our agency has over 17 years of experience in the insurance industry. We are a family owned and operated agency with strong ties to our community and clients. We are independent agents representing various reputable insurance carriers, providing you with many options. We want to listen to your needs and we will provide the advice and guidance to select the proper coverage. There are many choices available and many ways to allocate your money on your insurance needs. We strive to make those dollars well spent.
Why choose our agency?
Insurance agents can provide the same quotes with the same rates from the same carriers to all prospective clients. However, we will make sure we are listening to your needs, whether they be cost issues or benefit desires. We will strive to present plans that match your needs. Furthermore, we will not just work on earning your business, but keeping it. Rely on us for questions and answers. For individuals this may be as simple as referral questions, and with groups as difficult as COBRA questions.
Our clients.
We service individuals as well as small and large business groups. We provide personal attention to each client. We stress to our individual clients to ask us questions up front and get exactly what coverage they want and to call us when they have a concern. With groups, we welcome employees and group administrators to call us with questions, acting as a second human resources team.
Our Insurance Carriers and Service Providers.
Aetna |
Anthem |
Assurant Health |
Chamber Solutions |
Delta Dental |
Golden Rule |
Guardian |
Health Keepers |
Humana |
John Alden |
Metlife |
Optima Health |
Southern Health |
United Health Care |
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We offer the same rates as if you went to the insurance carrier directly. However, by using us as your agent, we provide additional insights into the plans offered and will discuss options, not only within one carrier, but among all the insurance carriers. We will assist with claims, provider searches, and general questions. For further information, call our office at 804.798.4438, email, or apply online.
Our Privacy Notice To Our Customers:
Herbert Insurance Agency provides this privacy notice to our customers so that you will know how we protect any personal, health related, or financial information (collectively referred to as "protected information") that we may receive from you directly or receive from your health care provider or another source that you have authorized to send us your protected information. The Herbert Insurance Agency will safeguard all such information received on your behalf.
Collected Information That We Obtain:
Herbert Insurance Agency collects information from you for purposes of underwriting required both for our business and pursuant to regulatory requirements. Without it, we cannot provide our products and services for you. Information collected varies on type of service requested, but may include: - Applications or other forms, such as name, address, Social Security number, assets and income, employment status and dependent information.
- Your transactions with us or your transactions with others, such as account activity, payment history, and products and services purchased.
- Consumer reporting agencies, such as credit relationships and credit history. These agencies may retain their reports and share them with others who use their services.
- Other individuals, businesses and agencies, such as medical and demographic information.
- Visitors to our websites, such as information from on-line forms, site visitorship data and on-line information collection devices, commonly called "cookies".
How We use this Information:
The information we collect shared within our company to obtain services on your behalf. We will only disclose your protected information as is necessary for us to provide the insurance products and services you expect from us. We do not sell any of the collected information, or share the information with unauthorized parties.
We may also disclose all of the information described above to third parties with which we contract for services. In addition, we may disclose your protected information to medical care institutions or medical professionals, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated third parties as is reasonably necessary to conduct our business or as otherwise permitted by law.
Our Privacy Procedures:
We restrict access to the protected information we have obtained, allowing only our agents and staff access to the information so as to provide you with our products or services or to otherwise conduct our business. Our computer database security software to protect against threats or hazards to the integrity of customer records, and to protect against unauthorized access to records that may harm or inconvenience our customers. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to safeguard all of your protected information.
Contact Information.
Herbert Insurance Agency
115 Hanover Avenue
Ashland, VA 23005
804.798.4438 phone
804.798-1824 fax
email
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