Commercial Insurance

Workers Compensation

In the state of Virginia, the Virginia Workers' Compensation Act requires any business with two or more employees to carry workers' compensation insurance. This provides coverage that helps employees recover from work-related injuries or illnesses.

Employers with employees, in any of the following categories, would be required to carry this coverage by state law:

•  Full-time employees

• Part-time employees

• Trainees

• Seasonal workers

• Temporary employees

• Subcontractors

• Employees related to the business owner

Below is a short list of what The Virginia Workers'  Comp insurance can provide benefits and coverage for.

• Disability

• Illness

• Accident or injury

• Repetitive Injuries

• Wage loss

• Ongoing medical treatment

• Death benefits

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* For DC, MD, and TN state requirements, speak with one of our licensed professionals.

Commercial Auto

This policy protects automobiles that are owned or used by your business. It helps to protect your business from the liability of any damages that stem from accidents involving company vehicles. 

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This also can provide compensation for occupants of your business vehicle if they sustain injuries in any accidents.

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Typical Commercial auto coverages are as follows:

• Liability coverage

• Collision coverage

• Comprehensive coverage

• Unisured/Underinsured Motorist coverage

• Personal Injury Protection

• Medical Payments coverage

• Rental reimbursement

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These coverages can be adjusted, as needed, to fit each individual business.

**It is important to note that personal auto insurance will typically not cover expenses for vehicles used to operate your business.** 

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Certain occupations, such as the ones listed below, may require you to secure additional coverage.

These occupations include:

• Food delivery

• Transporting hazardous materials

• Chauffeuring people

• Towing vehicles

• Trucking or moving freight

• Carrying equiptment

Commercial Property

This policy coverage protects your business' physical assets from unexpected events.

Included coverages are:

• Storms

• Fire

• Burst pipes

• Explosion

•  Vandalism

• Theft

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Business owners can also add additional perils such as earthquakes, floods, equipment breakdown, and other direct causes of loss to their policy.

General Liability

This policy provides coverage for your business against claims made by others, including: bodily injury, damage to property, and personal injury.

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How do you know if a general liability policy is right for you business?

This is a good policy to consider if any of the following applies to you or your employees.

• Interact with clients face to face

• Have access to a customer's property (either in your possession, or you are working on their property)

• Advertise your business

• Use third-party locations for business related activities (provides coverage for injuries to non-employees on the job site)

• Are required to carry said coverage to be considered for a job 

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A general liability policy will help to ensure that your business is protected against any injury or property damage that occurs while at your business or because of something you did.