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


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


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

Privacy Policy

It is L. Payton & Associates policy to respect and protect the privacy of our customers and the users of our Website (hereinafter, the "Site"). Through this Internet Privacy Statement, we want to reassure users of the Site that we will not sell or rent personally identifying information ("PII") of our Site users to others in a manner different than as set forth in this Internet Privacy Statement.

Gathering and Sharing of Information, Links to External and Co-Branded Websites
We monitor traffic patterns on the Site and gather information for use in analyzing usage, trends and to administer the Site in order to improve its layout and design as well as to permit Site streamlining to create the best shopping experience we can for our users. In order to perform analysis permitting such improvement of site design and user experience, we may integrate customer purchase information and employ suitable third parties with whom we share the information necessary to accomplish these objectives.

Where appropriate, we may share information with our business partners.
We will only share your information for businesses purposes only, to provide an insurance quote and/or insurance policy

We may provide PII in special cases such as enforcement of our Terms of Site Use, or as appropriate to comply with law or legal process, or to protect the rights, property, and safety of our company, our customers, and others. This includes exchanging information with other businesses for purposes of fraud and credit risk reduction. We may also provide PII and other information incident to a merger, reorganization or a sale of the company or its assets.

Our Site also contains links to external Internet sites, which may be operated by an external party and they may have privacy practices that differ from those here on our Site. When you click on links that take you to such external sites, you will be subject to their privacy policies, and we encourage you to become familiar with that party's privacy policies as these may differ from those utilized on our Site. Please note that this privacy statement applies solely to information collected by L. Payton & Associates on our Site and, while we strongly support the protection of privacy on the Internet, we cannot be responsible for the privacy practices of other Websites, uses of the information collected by other Websites, or the content of those other Websites.

By using our Site, the user agrees to the terms and conditions set forth in this Internet Privacy Statement and the Site Terms of Use INCLUDING ALL LIMITATIONS OF DAMAGES PROVISIONS which are an integral part hereof and the user consents to the collection and use of this information by L. Payton & Associates as disclosed in this Internet Privacy Statement. We may revise this Internet Privacy Statement or the Site Terms of Use at any time by updating these postings. By using this Site you agree to be bound by any such revisions in effect at the time of use and should therefore periodically visit this page and the Site Terms of Use page to determine the then current policies applicable to users of this Site.

Security Information
Strong precautions are taken to protect the credit card information and PII of the users of our Site. We protect this information both online and off-line and use a variety of technical solutions to make shopping safe at our Site. Your information is encrypted and is protected utilizing the industry standard Secure Sockets Layer (SSL) encryption software. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator or Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open, when you are just 'surfing'.

Note that under the Fair Credit Billing Act, and provided that you promptly notify your bank of the loss, your bank cannot hold you liable for more than $50.00 of fraudulent charges for the unauthorized use of your credit card through no fault of your own. In the event of an unauthorized use of your credit card, you must notify your credit card provider in accordance with its reporting rules and procedures. If you have any questions about the security at our Site, you can send an e-mail to debbie.cutright@paytoninsurance.com.

Automatic Information and Cookies
When a user accesses our Site, like many other websites, our computers automatically receive and record the domain, host, and IP address through which the user's computer accesses the Internet, as well as the Internet browser and operating system software on the accessing computer and any external reference code. You may have heard of the term "cookies". Cookies are routinely used by most, if not all, E-commerce merchants, including L. Payton & Associates. A cookie is a piece of data stored on a user's hard drive through the Web browser program containing information about the user which enables us to track and personalize the Site to enhance your experience. However, if a user rejects the cookie, they may still use our Site although we will be unable to provide the personalized shopping experience we can offer using the cookie data. If you have any questions about our use of this automatically transmitted information, please contact us at debbie.cutright@paytoninsurance.com.