L. Payton and Associates
296 Davis Hwy
Mineral, VA 23117
(540) 894-5121

EMAIL

Branch Office
Payton-Nester Insurance
147 Caroline Street
Orange, VA 22960
540-672-5424

 

Our Coverage is Extensive!


Personal Insurance:

  • Auto
  • Motorcycle
  • Boat
  • Jet Ski
  • Home
  • Farms
  • Rental Property
  • High Value Homes(excess of $1 Million)
  • Personal Umbrella
  • Term Life Insurance
  • Whole Life Insurance
  • IRA
  • Fixed and Variable Annuities
  • Classic and Antique Autos
  • Collections
  • Jewelry

Commercial Insurance

  • Business Auto
    • Service vehicles
    • Logging trucks
    • Dump trucks
    • Long Haul Hot Shot Trucking
    • Local, Intermediate, and Long Haul Trucking
    • Cargo
    • Federal and State Filings
    • Hotshot Freight
  • Property
    • Business Owners
    • Manufacturing
    • Industrial
    • Sawmills
    • Vacation Rental Properties
    • Home Owners Associations
    • Contractors Equipment and Machinery
  • General Liability
    • Contractors
      • Excavation
      • Painting
      • Drywall
      • Tree Trimmer
    • Truckers GL
    • Manufacturing
  • Workers Compensation
    • All Types of Business Exposures

Companies we work with


  • Allstate Insurance Company
  • Auto Owners Insurance Company
  • Owners Insurance Company
  • Homeowners Insurance Company
  • Progressive
  • National Grange Mutual Insurance Company
  • Foremost
  • Victoria
  • Alfa Vision
  • Trexis
  • Met Life
  • Northern Neck Insurance Company
  • American Collectors
  • Hagerty
  • State Auto Insurance Company
  • Main Street America
  • Infinity
  • Rockwood
  • Grange
  • Utica
  • CNA Surety
  • The General
  • Berkshire Hathaway
  • Amtrust

Meet our Agents


Lois Payton

Role: Agency Principal

Office:  Mineral, VA
Contact: 540-894-5121
Email Address: lois.p@paytoninsurance.com
Licenses: (VA)-Property and Casualty, Life, Annuities, and Securities
Insurance Experience: Over 50 years in insurance industry.


Deborah Cutright

Role: Commercial Lines Agent and Agency Manager

Office:  Mineral, VA
Contact: 540-894-5121
Direct Fax: 540-894-0144
Email Address:  debbie.cutright@paytoninsurance.com
Licenses: (VA)-Property and Casualty, Life, and Annuities (NC)- Property and Casualty (MD) – Property and Casualty
Insurance Experience:  Over 30 years in the insurance industry

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Jessica Gilbreth

Role: Personal Lines Agent

Office:  Mineral, VA
Contact: 540-894-5121
Direct Fax: 888-921-9113
Email Address:  jessica.gilbreth@paytoninsurance.com
Licenses: (VA)-Property and Casualty



Drake Nester

Role: Personal Lines Agent

Office:  Mineral, VA
Contact: 540-894-5121
Direct Fax: 888-251-4632
Email Address:  drake@paytoninsurance.com
Licenses: (VA)-Personal Lines



Kristi Clore

Role: Personal Lines Agent

Office:  Orange, VA
Contact: 540-672-5424
Direct Fax: 540-672-6454
Licenses: VA-Property & Casualty Life
Email Address:  k.harcum@paytoninsurance.com
Insurance Experience: Over 30 years in the insurance industry



Bessie Weaver

Role: Property and Casualty Agent