Including All Business Types, Churches, Organizations, Non-Profits & More
You worked hard to build your company – let us help to protect it!
We can help protect many business types including, but not limited to, churches, restaurants, excavation companies, tree services, auto repair, auto dealerships, HVAC services, plumbers, electricians, dump truck companies, professional liability policies and many more. Policy types include General Liability, Workers’ Compensation, Commercial Umbrella, Commercial Auto, Commercial Flood, Bonds, Cyber Security, Professional Liability, Errors & Omissions and Inland Marine (Equipment Coverage). We are licensed in Virginia, West Virginia, Maryland, D.C. & more.
Call us if you’re interested in a quote or need to speak with a professional about coverage.
Certificates are completed within 1 business day if not the same day (on weekdays).
Questions about Business Insurance
- As a business owner, am I required to carry Workers’ Comp?
In Virginia, if you have more than two employees, you need Workers’ Compensation Insurance — whether they are part-time or full-time, doesn’t matter. Once you hit three, it is required by the state. However, it is always in your best interest to carry Workers’ Compensation coverage at all times.
- My rate is going up and I didn’t have any claims, why?
Rates are comprised of more than just your individual history, they take into account the claims in your zip code, your state for your type of business & by your carriers losses that may have taken.
- Why is Commercial Auto slightly higher than personal car insurance?
Companies take into account that you will have different drivers for the commercial vehicle as well as a different exposure due to the possible size of your vehicle you are using & may be on the road more commonly on commercial use side.