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Business Insurance in Richmond, VA

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask one of the agents at Richmond VA Insurance to explain all the differences and options.

General Liability

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability Insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage. Click here for a General Liability Insurance quote form.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. And make sure you have sufficient auto liability coverage with a commercial umbrella policy.

Workers Compensation

Workers Compensation Insurance is designed specifically for injuries sustained on the job.   The laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.




 
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10049 Midlothian Turnpike, Suite B | North Chesterfield, VA 23235 | 804.320.5488 Powered by Insurance Website Builder

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