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3711 Westerre Pkwy, Suite D
Richmond, VA 23233

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4 Ways to Get the Best Auto Insurance for Your Needs

Getting the right auto insurance doesn’t have to be complicated when you work with trusted professionals who can give you options and information. If you’re in the Richmond, VA area, Bacon Insurance Group is here to help you get the auto policy that’s right for you. Then you can feel confident in the level of coverage you have and experience more peace of mind on the road.

Naturally, you want to make sure you’re meeting any legal requirements for coverage. State minimums are in place for a reason, to add a standard level of protection to everyone who drives on Virginia’s roadways. But many drivers want or need more than the minimum, and working with an agent makes it easier for you to decide the specifics of your policy.

If your vehicle is financed, for example, you probably need full coverage insurance. Deductibles for this coverage can vary, and your agent will have good information about what choice to make. You might also want to consider roadside assistance if you travel a lot or other types of auto insurance coverage that wouldn’t be typical or standard.

With that in mind, to get the best auto coverage for your situation, consider:

  1. Knowing and understanding your current coverage, if any
  2. Being aware of state minimums and any lender requirements
  3. Looking into deductibles and limits, as well as add-on options
  4. Working with an agent for the best options and opportunities

Even if you’ve done research on your own, an agent can still help guide you and talk through your policy options. Reach out to the Bacon Insurance Group today and get access to a variety of insurers serving the Richmond, VA area, so you can compare what’s offered and make a choice that fits what you’re looking for.

Does Commercial Insurance Include Worker’s Compensation?

What is commercial insurance and why do you need it? Most employers need financial protection for a variety of situations, from property theft to personal injuries. Commercial insurance will pay for unexpected events, including property damages, income losses, or employee lawsuits. A decent commercial insurance package should cover the employer in the event of a worker’s compensation lawsuit. Bacon Insurance Group can help you navigate this important coverage.

If you’re a Richmond, VA business owner, here’s what you need to know about commercial insurance and how it covers worker’s compensation.

Why Would a Worker Sue an Employer?

In the case of worker’s compensation, the employee is suing the employer over a work-related injury or illness. A workplace injury could be anything from a manual labor accident to a motor vehicle collision. If the injury happens on the job, then the workplace owners can be held legally responsible for neglectful or malicious management. When a worker’s compensation claim does come up, the worker might decide to sue the employer in a court of law; this tends to happen when the worker feels that he or she is entitled to more financial compensation. 

If you’re a business owner who operates a risky venture, then it’s recommended that you purchase an insurance plan that covers worker’s compensation. This kind of claim is somewhat common for workers, especially if they do physical labor on the job. 

Does Bacon Insurance Group Cover Worker’s Compensation?

Yes. Our insurance agency provides a wide range of services, including comprehensive commercial insurance for business owners and employers. If you want an insurance policy that covers worker’s compensation, then feel free to contact us for more information. Our team would love for you to schedule an appointment with one of our experienced agents in Richmond, VA. 

How Home Insurance Protects Your Home

When you own a home, there’s always something that needs to be done to keep your home protected. One of the things that will best protect your home is a home insurance policy. These policies are essential for keeping your home as protected as possible from a wide range of risks that can affect it. When you’re buying a home and need home insurance, call us at Bacon Insurance Group in Richmond, VA to find out more. 

Versatile Protection for the Home

There are many things that can happen to a home to damage or even destroy it. There is a broad range of incidents such as certain accidents, disasters, and other events that can result in a lot of damage to the dwelling. When these happen to a home protected by home insurance, the policy can pay for the repairs that are needed to get your home back in shape. Repair bills can be extremely high after a damaging incident, and without home insurance, they could be insurmountable. It could be too expensive to get your home back into good condition without the help of a home policy. 

Protection for What’s Inside

You also need protection for everything inside your home. Your possessions have cost a lot, and they also need to be protected. The protection you get from home insurance also extends to your possessions, paying for you to replace items that were lost during covered events. The items inside your home add up to an enormous amount of value. After your investment in your home, your investment in your belongings is often nearly as high. Your home insurance also gives you protection against liability when someone is in your home and has an accident. 

Get Home Insurance 

Never go without home insurance because of the many ways it protects you. To get started, call us at Bacon Insurance Group in Richmond, VA.

Tips to get healthy in 2023

We all want to be healthy and feel our best, but sometimes it can be hard to get motivated here in the Richmond, VA area.  Here are some suggestions from us at the Bacon Insurance Group to help you get started on your journey to health and improve the quality of your life. 

Tips to get healthy

1. Start small

It’s easy to get overwhelmed when thinking of all the steps you need to take to get healthy. Instead, focus on one thing that you can do today and build upon it. Whether it’s committing to 10 minutes of exercise or packing a healthy lunch for work, start small and gradually increase your efforts over time. 

2. Get organized

Write down specific goals you have for getting healthier and create a plan for achieving them. Make sure these goals are realistic so that you don’t become discouraged if they aren’t achieved promptly. Having an organized plan will help keep you motivated and accountable for your progress. 

3. Find support

Getting healthy shouldn’t be done alone! Find friends or family members who share your same goals and use their support as motivation throughout the process. Encourage each other and celebrate successes together! 

Update Your Life Insurance

These are just a few ways of getting healthy, but there are countless more strategies that can also help with this goal. So find something that works for you and keep pushing yourself forward towards better health! For more tips on how to get healthy, or for more information about insurance and programs that can help get you there, please give us a call at the Bacon Insurance Group today. We proudly serve the Richmond, VA area.

Common Types of Coverage Options for Auto Insurance

Shopping for auto insurance can seem overwhelming. Many coverage options are available in and around Richmond, VA. It is essential to understand their differences to make an informed decision.

Bacon Insurance Group offers several types of auto insurance coverage to help protect your vehicle and assets.

Here is a breakdown of the basic options:

Liability Coverage 

Liability coverage is one of the most basic forms of auto insurance. Bodily injury liability helps cover the costs of treating someone else’s injuries if you cause an accident. Property damage liability covers damage to another person’s property resulting from an accident you caused. 

Collision Coverage 

Collision coverage helps pay for repairs or replacement costs for your car if it is damaged due to an accident that was your fault. It usually covers both at-fault and not-at-fault accidents, although there may be some exceptions depending on your policy. 

Comprehensive Coverage 

Comprehensive coverage is another type of auto insurance that protects against non-accident-related damage, such as theft, weather damage, or vandalism. It also generally covers repair or replacement costs if your car is damaged by something other than a collision in Richmond VA.

Uninsured Motorist Coverage 

Uninsured motorist coverage helps cover medical expenses and lost wages if you are injured in an accident caused by a driver who doesn’t have auto insurance. It also helps protect you if you are hit by a driver who flees the scene without providing their contact information or insurance information (known as a “hit-and-run” accident).  

Get The Right Coverage For Your Needs

If you want to learn more about the different types of coverage and what might be best for your needs, contact Bacon Insurance Group today! We serve the greater Richmond, VA community. Our friendly agents will answer all your questions and help you get the right policy for your situation so that you can drive with peace of mind knowing that you are covered in case something unexpected happens.

Should Those Who Are Self-Employed Obtain Business Insurance?

At the Bacon Insurance Group, serving the greater Richmond, VA area, we have seen that more and more people are branching out and starting their own side businesses or full-time businesses. Technology and the Internet are making it easier than ever to operate your own business, directly from your home. One of the questions that we are often asked is whether those who are self-employed should obtain business insurance. We are here to assist with all your queries.

Should Those Who Are Self-Employed Obtain Business Insurance?  

If you have a business of any sort, regardless of whether it is a small business run by one person or a large business run by multiple people, it is strongly recommended that you purchase business insurance. Business insurance can help to cover the tools you use to operate your business, including computers and your products or merchandise.

Business insurance can also help to protect you against a lawsuit that you may face during the course of operating your business. If you accept payment for any goods or services, then technically you are a business. As such, you should be insured as a business to protect the time and money you have invested into your business. 

Contact Us Today

The Bacon Insurance Group, providing business insurance products to those located in the greater Richmond, VA area, strongly recommends that all business owners, regardless of how small or large they are, obtain business insurance to protect their business. Our team of knowledgeable insurance agents can help you to select the business insurance products that are ideal for your needs. Reach out to us today and let’s help you find the right business insurance products based on your specific insurance needs. 

Making your home a safer place to live

With a few small changes, you can make your home a safer place to live. At Bacon Insurance Group in Richmond, VA, we have been providing local residents exceptional service since 1997. We work for our customers and do the hard work of locating and comparing the best home insurance policies to meet the needs of our customers. 

Tips To Maintain A Safe Home

Clean up clutter

If you have the habit of stacking things on your stairs or in your hallways, it is time to make sure all the places where you walk every day and every night are clutter-free. Adequate lighting is a must to avoid falling.

Avoid throw rugs

As attractive as throw rugs are, they are a danger for tripping or sliding. Either avoid them completely or use double-sided tape to attach them to the floor.

Extension cords

Don’t run extension cords across areas where you walk, keep them close to the wall or don’t use them. If you must run them, cover them with duct tape. 


Medicine should be stirred out of the reach of children and pets. The same goes for any poisonous chemicals that you may use. 

Password your internet network

Keeping your personal information safe from hackers means not allowing outsiders to hack into your network. Choose a strong password, one that you don’t use anywhere else.

Make sure your smoke detector is working

If your detector is hardwired it should work without problems, but if the power is out it is important to make sure that your batteries are fresh so that the battery backup works. Check carbon monoxide detectors at the same time. 

Clean your chimney

Chimney fires are a danger if you use your fireplace. Hire a chimney cleaner every year. 

Get Home Insurance

The right insurance coverage will help you protect your most important asset – your home. Contact Bacon Insurance Group in Richmond, VA to discuss your home insurance needs. 

How to Choose Term or Whole Life Insurance

Life insurance is one of the most important investments you can make for your family’s future, but deciding which type of policy is right for you can be challenging. Term life insurance provides coverage for a set period, while whole life insurance offers lifelong protection.

There are a few things to consider when choosing between term and whole life insurance. Bacon Insurance Group in Richmond, VA can help you navigate this vital insurance coverage. 

To determine the best life insurance for yourself, consider your needs:

Do You Have Children?

If you have young children, you’ll want to ensure they are taken care of financially if something happens to you. A whole life insurance policy will provide that your family is taken care of no matter what, while a term life insurance policy will only cover you for the length of the term.

Do You Have a Mortgage?

If you have a mortgage, you’ll want to make sure it is paid off in the event of your death. A whole life insurance policy can help ensure your family doesn’t have to worry about making mortgage payments if something happens to you. Your Bacon Insurance Group agent can help you determine whether term or whole life insurance is correct based on your needs.

What’s Your Budget?

Whole life insurance policies are typically more expensive than term life insurance policies. A term life insurance policy may be better if you’re on a budget. However, a whole life insurance policy may be worth the investment if you can afford the higher premiums.

What Are Your Other Financial Obligations?

Think about your other financial obligations, such as credit card debt, student loans, or car loans. You’ll want to make sure these are paid off in the event of your death so your family isn’t left with a financial burden. A whole life insurance policy can help ensure your family is taken care of financially if something happens to you.

Get The Right Life Insurance For Yourself Today

Contact Bacon Insurance Group in Richmond, VA to learn more about choosing between term and whole life insurance.

Why basic auto insurance may not be the right choice

Basic auto insurance is the least amount of coverage that you must have to be in compliance with the requirements of the state of Virginia. At Bacon Insurance Group in Richmond, VA, we have been providing personalized service to our customers for more than 25 years.

Basic insurance is right for some people but not for everyone

In Virginia, basic insurance is 25/50/20. What that means is $25,000 for one person injured in an accident where you are the responsible party, $50,000 for all the injuries if more than one person is injured, and $20,000 for property damage. This seems like a reasonable amount of coverage but, if someone is seriously injured, a hospital stay can be thousands of dollars a day. A higher level of coverage may be right for you. 

If you have a car loan or if you lease your vehicle, you will need to have additional coverage. You need to protect the car which is not yours, you will need to cover it against damage, which means having collision and comprehensive coverage and full glass coverage. 

If you are like most drivers, you count on your vehicle every day to do your normal activities like getting to work, grocery shopping, and all the other things that require you to drive. When you have an accident, will you be able to pay for the repairs that are needed to get your vehicle back on the road?  Is your answer no?  Then basic auto insurance isn’t the right option for you. Having collision and comprehensive coverage will get you back onto the road where you need to be without more than a deductible payment. 

Get Auto Insurance Today

Contact Bacon Insurance Group in Richmond, VA for all your auto insurance needs. We can be reached on the phone, in person at our office, or through email. 

Commercial Insurance FAQs

Commercial insurance offers a lot of protection to businesses that face massive amounts of risk on a daily basis. It can be what saves a business when peril strikes. Bacon Insurance Group in Richmond, VA will take the time to get to know your business so that we can help you to get the right coverage for your particular risks. 

Commercial Insurance FAQs

Why does a business need liability insurance?

Your business could be sued. As a matter of fact, there is a pretty good chance that at some point your business will be sued. When you are sued you could be liable for medical bills, property damage, and the cost of litigation. This could result from an accident, but you can also be sued by a customer injured by your product or the work that you did or by an employee. A judgment could cost you your business if you don’t have the right commercial liability insurance. 

Do you need commercial property insurance if you are a renter? 

Yes, you do. Unlike home or renters insurance, commercial property insurance is not just about the building, it is also about the content. The content of your business is what you use to do business. It depends on what type of business you have but it can be tools or machinery, inventory or raw materials, display cabinets, electronics, office equipment, furniture, and anything you use to do business. 

What is business owners’ insurance?

A business owner’s policy (BOP) is a commercial insurance policy that combines property insurance with liability insurance. By combining these two vital types of coverage into a single p[policy, the rate that you pay is often better. This policy is a good choice for a small or medium-sized business. 

Contact Bacon Insurance Group in Richmond, VA to discuss how we can help you with your commercial insurance. 

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