Business insurance
Business insurance, explained coverage by coverage.
Hover over any spot on the picture to see what it covers.
A business insurance package is several coverages stitched together — protecting your customers, your building, your people, your vehicles, and your work itself. Here's what each piece does and when it applies.
General liability
Covers injuries to customers and visitors, and damage you cause to other people's property while doing business.
Example: A customer slips on your wet entry floor and breaks a wrist. General liability pays the medical bills and settlement.
Commercial property
Protects your building, equipment, tools, and inventory from fire, theft, storms, and other covered events.
Example: An electrical fire damages your shop and its stock. Commercial property pays to rebuild and restock.
Workers' compensation
Covers medical bills and lost wages when employees are hurt on the job — and it's required in Virginia for most employers.
Example: An employee strains their back lifting a heavy box. Workers' comp pays treatment and time off.
Commercial auto
Covers vehicles used for business — trucks, vans, and fleets — with liability plus optional collision and comprehensive.
Example: Your delivery van rear-ends a car on a run. Commercial auto pays the other driver and fixes the van.
Professional liability & cyber
Professional liability (E&O) covers claims of mistakes in your work or advice; cyber coverage handles data breaches and hacking costs.
Example: A client claims your advice cost them money — E&O pays the defense. A hacker steals customer records — cyber covers the response.
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