Fax: (757) 442-4149
|Monday||8:00 AM - 12:00 PM and 1:00 PM - 4:30 PM|
|Tuesday||8:00 AM - 12:00 PM and 1:00 PM - 4:30 PM|
|Wednesday||8:00 AM - 12:00 PM and 1:00 PM - 4:30 PM|
|Thursday||8:00 AM - 12:00 PM and 1:00 PM - 4:30 PM|
|Friday||8:00 AM - 12:00 PM and 1:00 PM - 4:30 PM|
We are located on the scenic Eastern Shore of Virginia. Though we have clients located in all fifty states, we primarily serve Accomack County and Northampton County, Virginia. The towns we service include Chincoteague, Accomac, Onancock, Onley, Melfa, Keller, Painter, Belle Haven, Exmore, Nassawadox, Cheriton, Eastville, and Cape Charles.
Our Eastern Shore, VA insurance agency provides all forms of personal and business insurance.
The Eastern Shore of Virginia is an inviting grassroots community that we have served for generations. We understand coastal insurance and can save on your home, auto, and flood policies.
McCaleb-Metzler is passionate about helping local businesses succeed. Our greatest joy is hearing of another’s success. We provide quality insurance products at competitive prices, with “no excuse” customer service.
- Property (buildings, contents, equipment, etc.)
- General Liability
- Business Auto/Truck
- Workers Compensation
- Umbrella Liability
- All others
Due to our location, we specialize in coastal homes. We are skilled in homeowners near the water, on the water, or on pilings. Trust us for your hardest-to-insure waterfront or farms. For the same reason, we also specialize in flood insurance. Coastal homes are much more likely to be exposed to rising waters and risk of flood. We provide flood insurance both through the National Flood Insurance Program and also through an alternative, private market.
Our Eastern Shore, VA insurance agency has also developed a few business insurance specialties. One is non-emergency medical transportation (NEMT), businesses that transport patients to doctors’ appointments. NEMT providers may service ambulatory patients or have have wheelchair-equipped vehicles. Some even provide transport of stretcher patients. We insure NEMT businesses in all fifty states.
Located near the Chesapeake Bay, many of our clients are seafood industry businesses. We have taken what we learned locally and now offer insurance for seafood-related businesses all over the country. The majority of our seafood clients grow clams and oysters, but we also service seafood brokers, dealers, distributors, and wholesalers. Because many of these clients work on or around the water, we also offer protection and indemnity (P&I) for the boats and crew (Jones Act). We have clients from Maine to Florida. One of our newest clients is an oyster grower in Alaska.
Client Insurance Challenges
As you may guess, coastal property is at the top of the list. Fortunately, our Eastern Shore, VA insurance agency is contracted with several insurance companies that will write coastal property. For example, we hold the distinction of being the only insurance agency on the Eastern Shore that is contracted with Loudoun Mutual. However, guidelines are tightening. Most insurance carriers require a 2% wind deductible, but they range from 0% up to 5%.
Many homes in this area are older, built in the 1940s or earlier. Thus, obtaining information on any updates performed to electrical, plumbing, roofing, and heating is important. Some homes in our area are still sided with asbestos shingles. This material is durable and considered safe as long as it remains undisturbed, but some insurance carriers will not quote a home sided in it.
Coastal exposure, and therefore wind deductibles, again tops the list of insurance challenges for businesses. Most commercial insurance carriers require at least a 1% wind/hail deductible, but 2% is normal. Some insurance companies will exclude wind altogether. In such cases, we have access to several insurance markets that specialize in wind coverage and can offer standalone wind insurance.
The Eastern Shore Branch of Bankers Insurance
We live and work on the Eastern Shore of Virginia and are familiar with its particulars. We enjoy a challenge and work hard for our clients. We are professional, polite, and want to make a difference for our clients through our service. We know the challenges of coastal property and which insurance companies are best for each client’s situation. Originally founded in 1947, McCaleb-Melzer is now a Bankers Insurance company. Come visit our Eastern Shore, VA insurance agency in our new location on Rt 13 just north of Royal Farms in Exmore.
Local Shots Near Our Office
Chesapeake Bay Bridge Tunnel
Parksley Railway Museum
Pilings at Sunset
White Tail Doe
Eastern Shore of Virginia and Surrounding Areas
The Eastern Shore of Virginia is particularly known for seafood, agriculture, tourism, and our space port at Wallops Island. If you enjoy fresh fish, clams, and oysters, it’s certainly worth a visit. The main crops (other than clams and oysters) are corn, soybeans, wheat, and tomatoes.
Local Economy Drivers
Wallops Island is a space port that recently won a contract to resupply the international space station. This market is thriving, creating a demand for high-tech jobs and boosting all supporting industries. Tourism is a major contributor to the economy during the summer months. The primary tourist destinations are Chincoteague Island and Cape Charles.
We’ve already mentioned how tourism heats up during summer months. However, fishing tourism is another draw to the local area. Avid anglers visit year round, depending upon seasons, to fish in the Chesapeake Bay or the seaside coastal waters of the Atlantic Ocean.