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Commercial Insurance in Virginia
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As a small business owner in Virginia, you should be aware of your commercial insurance options for protecting your enterprise. A commercial insurance policy from Everett Insurance serving Richmond, Glen Allen, VA and surrounding areas can protect your location, inventory, business vehicles and more against disasters that can cause financial loss.
What kind of coverage does a commercial policy offer?
This coverage protects your business location against disasters by paying for damages caused by covered perils such as fire, vandalism, windstorm, etc. Property insurance also covers the contents of your building to include business equipment, office furniture, inventory and other items that are key to your business operations.
If you receive customers at your site, liability coverage is essential to protect your business assets. Personal liability insurance protects you against accidents that occur on your site by paying for medical expenses (or property damage) of those injured in the accident, up to the limits of your policy. It also covers the cost of legal expenses if you are sued for damages.
Professional liability pays for damages you or your employees cause others due to defective products or services. Without this coverage, you could be held liable for damages out-of-pocket which could seriously affect your finances.
At Everett Insurance, we offer these coverages in one policy via our Business Owners Policy (BOP).
Business Auto Coverage
If your company has business vehicles, business auto coverage protects you against accidents on the job.
If your business has to close due to damages from a disaster, business interruption covers lost income, employee wages and the cost of renting a temporary location while your building is getting fixed.
In Virginia, workers comp insurance is mandatory for businesses with two or more part-time or full-time workers. Workers comp protects employees from accidents on the job.
For quality commercial insurance to protect your Richmond or Glen Allen, VA enterprise, contact your Everett Insurance agent today.