Taking out the risk so you can get the job done.
Simply put, commercial insurance safeguards a business from losses that may arise from damage to property, injury on employees, or theft. Whether you are running a small or a large business, having the appropriate insurance policy saves you from financial losses.
Protect your business and grow with confidence.
The biggest and probably the most crucial detail of your business is how to safeguard it in the event of a peril.
Commercial insurance comes in a variety of forms depending on your needs, and the type of business you are running. Allow our insurance experts to help you find the best policy based on your needs so you can focus on the most important part: getting the job done.
Custom insurance plans with great benefits.
Business insurance coverage is specific to your particular industry, location, and risks, and isn't a "one-size-fits-all" product. In addition to personalized plans tailored to your needs, we also offer the following.
We're not an anonymous online insurance agency - we're Richmond area natives here to help protect the assets of our neighbors and their loved ones.
We specialize in tailored insurance policies that protect our clients and their families. As an independent agency, we are able to do the "shopping around" for you to find the best coverage at the most competitive rate.
Our agents are licensed and go through rigorous training. Our office has a combined total of 110 years experience in the insurance industry. You can trust that you're in good hands with us.
Founded in 1989, we've been serving the Greater Richmond area (and beyond!) with compassion and expertise for more than 30 years.
Annual reviews are crucial to preventing vulnerabilities in your policy. We'll ask you about any property, product, service, or fleet changes to your business so you can rest assured your assets are properly protected.
Even though you file your claims with the insurance carrier directly, we're here to guide you through every step of the process and fight on your behalf if it comes to that.
What does business insurance cover?
We will tailor your commercial policy based on your specific needs, but here are some of the most common coverages that come with business insurance.
Protects the property located inside the building and company-owned vehicles. It also includes things like stock items for retailers or warehouses.
Covers costs for property damage claims against your business, medical expenses if someone gets injured, and court costs and settlements.
Helps protect against lost income after a covered peril affects a business, such as theft, fire, wind, falling objects, and lightning.
Protects vehicles used for business purposes, with similar coverages as a personal auto policy, such as liability, collision, and uninsured motorist coverage.
Your questions answered.
Here are some of our most frequently asked questions regarding homeowners insurance policies.
If you have customers entering your home as part of your business service offering, you will want to have business liability insurance at a minimum. Additionally, if you keep or operate expensive business-related equipment at your home, your homeowner's insurance may not cover it in the event of damage, depending on your policy limits.
A commercial auto policy does not cover the belongings inside your vehicle. However, if you have a business insurance policy that includes property coverage, it may help pay to fix or replace business-owned items that were stolen from your company vehicle or damaged in an accident.
The short answer is no, workers' compensation is a different type of coverage you can purchase. General liability insurance helps protect your business from claims that it caused. Workers’ comp provides benefits to help your employees recover from a work-related injury or illness. It also limits your liability for these injuries and illnesses. Your state may require you to have workers' compensation insurance if you have employees.
The cost of business insurance varied widely depending on the size of your business, location, and amount of risk involved in daily operations. It also depends on what coverages you want. We're here to talk you through your options to find an insurance policy that works with your bottom line.
If you have general liability insurance for your business, you'll be protected from common lawsuits that arise from everyday business activities. It protects against customer injuries, damaged customer property, and accusations of defamation and copyright infringement.
We insure all types of businesses, whether they're small, medium, or giant. All businesses will have different insurance needs depending on the type of product or service offered, and industry-specific risks. We're here to talk to you about your options! Get in touch here to ask us your questions.
Yes, we do offer hard to place insurance policies, such as one day event and special event coverages. Contact us for details.
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