About Us

Insuranceology Mission

 Our mission is to provide Virginia residents with the best value for Insurance and Financial services with the best-in-class, extra-ordinary customer service.

Insuranceology Company Description

Rolling up our sleeves and sharpening our pencils to find you the best possible insurance package and rate is what we are all about at Insuranceology. As independent agents, we work for you, not the insurance carriers. That means we can help you find the best value on auto insurance, home insurance, business and Ag Insurance, and more from several of Virginia’s most trusted carriers.

Why Choose an Independent Insurance Agency like INSURANCEOLOGY?

Not all insurance agencies are the same…not all Independent agencies are the same. With other agencies, you get one company that sells one brand of insurance, or they look at price as the only factor in finding you a policy. With INSURANCEOLOGY, you get choices and quality top rated carriers that have the technology to provide the service you need and the financial strength to handle any claim. A company is only as good as its reputation. As an agency with nearly two decades of experience, we are committed to doing the homework to find you the right carrier at the right price and with all the technology bells and whistles you need to get what you want, when you want it.  

As Independent agents and members the greater Richmond community, we’re committed to doing business face-to-face and being an advocate in times of need. We take a “Your World” approach in providing the insurance coverage you need, not what an agent at an 800 number wants to give you. We want to understand your world and the most effective way to protect it.



Harmon “Chip” Massey

Chip Massey, President/CEO, of Insuranceology was a Farmers Insurance Agency Owner for 7 years and was a District Manager with American National and Farm Family Insurance Company for 4 years.

Chip was awarded Rookie of the Year for the State of Virginia by Farmers Insurance in 2008, was a Toppers Club qualifier, as well as was awarded the coveted “Blue Vase” for accomplishments in Life Insurance.

In his final year with American Nation, he earned the distinction of “Career Club.” Chip, and his wife of 32 years, are proud Grandparents of three, parents of three wonderful kids, and own and operate an Alpaca and horse boarding Ranch in Powhatan, VA.

Chip is also a Veteran of the US Army where he performed duties as an Air Traffic Controller and earned his Paratrooper Badge at Ft. Benning, GA. and supporedt the 82nd Air Calvary out of Ft. Bragg, N.C.

At Insuranceology, we serve all our clients with great care, but especially serve our active duty military and Veterans with the honor and respect they deserve.




It’s all about what we “Give” you and what you can count on and “Take” to the bank.


We “give” you all the personalized attention you deserve. We want to understand what “your world” looks like so we can create a tailor-made plan that protects the things you value most and at a price that fits your budget.

We “give” you access to top-rated insurance carriers in Virginia. Carriers that are rock solid and have been around for over 165 years and can assure you of peace of mind when you need it most. Companies with total access to the things you need when you need them; direct claims access, direct customer support, payment options, websites and apps for people on the go, and the ability to handle and pay claims quickly.

We “give” world class customer service to our clients. With over thirty years of customer service experience and training from some of the largest corporate names in the world, providing our customers with the care and considerations they deserve is our top priority and greatest concern. Our agency thrives on repeat and referral business and without professional, timely, and efficient care our clients will not recommend our services to others.

We “give” you “all things insurance” as our brand and logo imply. With our many years of experience and the effort we have made to educate ourselves across every aspect of insurance, we can provide you with access to every type of insurance you may need. We might not have all the answers, but we can do the research and get you the answers you need. If there are products we don’t have, we can get them. If not, we can put you in touch with someone that does. With our personal relationships and network of insurance professionals in Virginia, no answer or resolution is too far away.


“Take” heart in knowing that we have done our homework and have learned everything we possible can about what’s important your world and what you want to protect; family, health, assets, or business. We want you to rest easy in knowing we care enough to ask the hard questions in order to protect the things you didn’t remember to ask about. Mark Twain said, “What gets us into trouble is not what we don’t know. It’s what we know for sure that just ain’t so.” As true as that is, we also uncover those things you didn’t know to ask about.

“Take” comfort in knowing that the insurance provider we place you with has the financial strength, track record, and resources to keep you on track to meet you goals as life happens. Life isn’t always easy and when it’s not, you need to the peace of mind of knowing it will be taken care of.

“Take” control or give it to us. Your customer service needs are at your fingertips. Our select portfolio of carriers has you covered when it comes to being able to access your coverage information, ID Cards, change requests, payments, and more. By providing you with insurance companies that have created world class websites and phone apps, you have immediate, 24/7 access to nearly anything you may need.

“Take” it to the bank. Not just the savings you may enjoy by allowing us to shop the competition for you, but also for the knowledge and experience that only years in the business can give. At Insuranceology, we are committed to continuing education through training and certification courses and to expanding our growing network of agency partners across the state of Virginia. As G.I. Joe would say, “Knowing is half the battle”.


High Insurance Carrier Expectations 

Insurance Carrier Selection Criteria. We only do business with top rated companies.

  • Strong online presence and web tools for our clients
  • Mobile apps to meet the demand for instant access to ID Cards, reporting losses, and making payments or requesting changes while on the go
  • Direct phone contact numbers for reporting claims and making payments
  • Flexible payment methods and plans
  • The ability to handle and pay any insurance claim
  • Quick response times when a claim is reported
  • AM Best ratings of “Excellent” or higher

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