Generations of Insurance Solutions Since 1872

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Manry Rawls, LLC is your trusted source for insurance to protect what’s important to you.

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Learn About Manry Rawls, LLC

As one of the oldest independent insurance agencies in the Mid-Atlantic region, Manry Rawls, LLC has provided insurance services and solutions for over a century. Since our founding in 1872, we have remained committed to the unique needs of our clients, serving families, farms, and businesses with the highest level of care and quality.

We have a history of being an independent agency, always looking out for the best interests of our clients—not the insurance companies. Because when it comes to serving our clients and our community, we are dedicated to helping you find the protection to safeguard your lifestyle, livelihood, and business with insurance personalized to your needs.

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  150 Years of Protecting People

Founded in 1872, we continue to uphold our founding principles of commitment to our clients and community through service and solutions.

The Vision We Work By

Building trusted relationships with our clients has always been at the core of who we are. We know the importance of connecting with our clients and community to better serve you.

The Mission We Live by Daily

Our clients are our friends, neighbors, and partners. That’s why we take a special interest in protecting them, so they can focus on what they do best.

Multiple Offices Here to Serve You

With multiple offices throughout Virginia and North Carolina, we are proud to serve the Mid-Atlantic. Get in touch with us for your insurance needs in GA, MD, NC, SC, and VA, or contact your local office directly.

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Franklin, VA Office

Emporia, VA Office

Courtland, VA Office

Smithfield, VA Office

Williamston, NC Office

Protecting Your Unique Insurance Needs

We offer personal insurance, business insurance, crop insurance, farm insurance, and employee benefits solutions to protect what’s most important.

Cover Your Crops

Take control of what you can and get protection for what you can’t with crop insurance.

Explore Crop Insurance

Protect Your Livelihood

Farm insurance helps cover your operations so you can focus on growing your farm.

Explore Farm insurance
Farm
ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution
Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella
Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property
Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

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Already a Manry Rawls, LLC client? Visit our Service Center today!

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Manry Rawls, LLC.

“They are a really hands-on, family-based company and very interested in the best policy for you. They understand your needs and go out of their way to give you the best policy for the best price. Very honest and trustworthy. So glad I found them!”

Sheree B.

The Independent Agency Advantage

What makes our independent insurance agency different?

Why Go Independent?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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