BUSINESS INSURANCE · VIRGINIA AND NORTH CAROLINA
Business Insurance
Contractors, farms, shops and churches. The coverage that fits a framing crew is not the coverage that fits a congregation, so it is worth a conversation rather than a quote form.
PACKAGED FOR THE WAY YOU WORK
Most business accounts here end up as a package, not a policy.
General liability is the piece people ask for by name, usually because a customer or a general contractor has asked for a certificate. It is also the piece most often bought at whatever limit makes the certificate go away, which is why it has its own page.
What goes in the package depends on what you own, who works for you and who you do business with. Those are the three questions we start with.
WHAT WE WRITE
What goes in the package
General Liability
Third party injury and property damage, and the certificate your customers keep asking for.
Business Owners Policy
Property and liability packaged together, which suits most small operations here.
Commercial Property
The building, the contents and what it costs to stop trading while it is repaired.
Commercial Auto
Work trucks, vans and the people you let drive them.
Workers' Compensation
Required once you have employees, and worth getting the class codes right.
Commercial Umbrella
Liability above your other business policies.
Equipment
Tools and equipment that move between job sites and are not covered sitting in a truck overnight.
Bonds
License, permit and contract bonds.
WHO WE WRITE IT FOR
Built around the work you do
Every industry page is written for this book, not copied from a carrier or another agency.
Construction
Contractors and trades, from one truck to a full crew.
Agricultural
Farms, equipment, outbuildings and farm liability.
Retail
Shops and storefronts, stock, premises liability and signage.
Churches
Buildings, congregations, volunteers and the events they run.
Changing your coverage
For adding or deleting coverage, please call the office during business hours. Coverage is not bound through sending a request by email or using the contact form without explicit confirmation from an authorized agent or carrier.