? Local Business Owners & Independent Contractors — This Is Important

Are you a hairdresser, salon owner, booth renter, or small business using 1099 contractors?

Here’s something many people don’t realize ?
? If you’re a 1099 contractor, the business you work for most likely does NOT cover you under their liability insurance.

That means:
? Accidents
? Client injuries
? Property damage
? Lawsuits

…could fall directly on you if you don’t have your own coverage.

And for business owners—uninsured contractors can still create risk for your business, even if they’re not employees.

?? 1099 contractors should carry their own liability insurance
?? Business owners should verify coverage before work begins

At JD Auvil Insurance Agency, we help local businesses and independent professionals understand their coverage and avoid costly gaps—no pressure, just education and protection.

? jdauvilagency@gmail.com
? 757-238-9575

Protect yourself. Protect your business.
If you’re unsure whether you’re covered, let’s talk.

? HOME INVENTORY CHALLENGE! ?
If you ever have to file a claim (fire, theft, storm damage, or water loss), one of the biggest headaches is trying to remember everything you owned.

That’s why we’re starting a Home Inventory Challenge — and you can do it in just ONE WEEK!

? Your challenge:
Walk through your home and take photos or short videos of each room.
? Capture big items AND the small stuff
? Don’t forget closets, drawers, and storage areas
? Save it in your phone, email it to yourself, or store it in the cloud

? Why it matters:
When a claim happens, having a home inventory can make the process faster, smoother, and more accurate — so you’re not left guessing during a stressful time.

? Comment “Challenge Accepted” and we’ll send you a simple checklist to get started!

? JD Auvil Insurance Agency — We’re here to help protect what matters most.
757-238-9575
jdauvilagency@gmail.com

This past weekend’s ice storm was a reminder of how quickly things can change. Trees down, homes damaged, and a lot of uncertainty for families in our community.

That’s why having a local insurance agent matters.

At JD Auvil Agency, we don’t shut down when the weather gets bad. If we can’t safely make it to the office, we work from our homes so we can still be there for our clients when emergencies happen. ??

Before major storms, we send out emails with important phone numbers and contacts, so you’re not scrambling when you need help most. And because we’re local, we can connect you with trusted, local insured professionals who can help right away.

Insurance isn’t just a policy — it’s people showing up when you need them. We’re proud to be here for our community, storm or shine. ??????

? Call us anytime — we’re here when it matters most.
757-238-9575
If before or after hours, leave a message. We monitor our messages daily. If it can’t wait until business hours, we will contact you ASAP.

?? Heads Up! Snow & Wintry Weather Expected This Weekend ??

We’re keeping an eye on the forecast, and it’s showing a rain-to-snow mix starting Saturday, with snow and wintry conditions continuing into Sunday and early Monday. Temperatures will drop, and roads — along with pipes and power lines — could be impacted.

Before the weekend arrives, take a few minutes to prepare:
?? Make sure you have extra bottled water on hand in case of frozen pipes or power outages
?? Protect exposed pipes and check your heating systems
?? Stock up on essentials and review your vehicle’s winter readiness
?? Take a moment to review your home and auto insurance coverage

Winter weather can move fast, but a little preparation now can save a lot of stress later. If you have questions about your coverage or want to make sure you’re protected before the snow hits, call us today — we’re here to help.

Stay safe, stay warm, and check on your neighbors! ?

? Call us today at JD Auvil Insurance Agency

#WinterWeather #SnowExpected #BePrepared #WinterSafety #FrozenPipes #PowerOutagePrep #HomeInsurance #AutoInsurance #LocalInsurance #JDAuvilInsurance

? If It Matters to Your Farm, It Matters to Us.

Your farm isn’t just property — it’s your way of life.
At JD Auvil Insurance Agency, we offer farm & rural coverage that helps protect:
? Your home
? Equipment
? Livestock
? Barns/outbuildings
?? Liability protection

Let’s make sure your hard work is protected through every season.

? Send us a message or call today — we’ll make it easy.
757-238-9575
jdauvilagency@gmail.com

#FarmLife #InsuranceMadeSimple #JDauvilInsurance #RuralCoverage

Coverage for livestock losses and farm liability. Local agent who understands farmers.

? Livestock brings unique risks — from injury and loss to liability if animals get out.
We can build coverage for cattle, poultry, horses, goats, and more — tailored to your operation.

? 757-238-9575 | ? jdauvilinsuranceandfinancial.com | ? jdauvilinsurance@gmail.com

Hashtags:
#LivestockInsurance #FarmLiability #RanchLife #AnimalCoverage #LocalAgent #JDAuvilInsuranceAgency

? Planning a special event? Don’t forget the insurance! ?

Whether you're hosting a wedding, family reunion, community gathering, or a youth group event, we can help protect your big day with affordable special event insurance.

? Great premiums
? Fast quotes
? Peace of mind for the unexpected

? Send us a message or call JD Auvil Insurance Agency today, message up or email — we’ll help you find coverage that fits your event and your budget!

757-238-9575

sheila@jdauvil.com

#JDAuvilInsurance #SpecialEventInsurance #WeddingPlanning #CommunityEvents #PeaceOfMind

? Tractors, combines, balers, sprayers — equipment is the backbone of your operation. If something breaks or is stolen, downtime is costly.
Let’s make sure your equipment coverage matches the value of what you run today. Give us a call.

? 757-238-9575 |

? https://www.jdauvilinsuranceandfinancial.com |

? jdauvilinsurance@gmail.com

#FarmEquipment #TractorInsurance #AgLife #FarmCoverage #LocalAgent #JDAuvilInsuranceAgency