Serving Richmond’s Insurance Needs Since 1955.

Business Insurance

For over 55 years, we have worked with our commercial lines customers to provide the most comprehensive insurance coverage with the most economical pricing. Your business in unique and should be treated as such. We take a tailored approach in finding the right insurance carrier and coverage options to protect your business and its operations. We offer a variety of lines of commercial insurance, including:

Property Insurance

In 2003, Hurricane Isabel caused over a billion in property damage in Virginia alone. You need an insurance policy that can protect your property and lost business income against this kind of disaster, as well as other perils. With so many different insurance companies on the market, how do you choose the one that best protects your business assets? We can help. We take the time to understand your needs and work with various insurance carriers to help you select a product that works for you.

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Commercial General Liability (CGL) Insurance

In this litigious society, claims of bodily injury and property damage are becoming increasingly more common. Regardless of the type of business you operate, your liability exposure is there and must be covered appropriately.

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Professional Liability Insurance

You have set up your business with the best policies and procedures. Regardless, there is still the risk that others may bring a claim against your business practices. These types of claims can occur from advising clients, managing employees, negotiating with vendors, or making decisions for your business' shareholders. While general liability protects your business from property damage and bodily injury claims, it is not designed to cover claims that arise from your professional work. Depending on your type of business, we may recommend a professional liability product, including Errors & Omissions Liability, Employee Practices Liability, Directors & Officers Liability and/or Cyber Liability.

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Commercial Automobile Insurance

If your company owns or operates vehicles, comprehensive automobile insurance is an important part in protecting your business. Whether you have one car or a fleet, we can help you find the best insurance carrier for your needs.

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Worker's Compensation

Worker's compensation insurance is designed to compensate workers for lost wages and medical expenses for incidents that occur in the course of their work. In Virginia, this type of insurance is mandatory for any business that employs three or more individuals. Or if you have less than three employees, but hire subcontractors, you also may be required by the State to carry workers' compensation.

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Builders Risk

New construction and existing buildings undergoing renovation require builders risk coverage. This type of policy provides property coverage for the building and new materials at the site. In addition to hard costs, builders risk coverage can also be tailored to cover soft costs, business income and tax credits. Unsure of the extent of insurance needed for your new project? We are pleased to provide advisement regarding proper coverage for the builders risk phase of your new endeavor.

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Umbrella and Excess Liability Insurance

Umbrella and excess liability insurance supplements your liability insurance by providing coverage above your general liability limit. Depending how an umbrella policy is structured, it can give additional coverage for workers' compensation and auto liability.

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Bonds

A surety bond is an agreement between the principal (party performing the service) and the oblige (entity for which the service is performed). If the principal fails to fulfill an obligation for the obligee, the bond protects the obligee from financial loss. There are several types of bonds, including court bonds, contract bonds and licensing and permitting bonds. Our agency can provide advisement for your personal and business needs.

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Farmowners

As a Keystone Agent, we are proud to have Keystone's exclusive access to one of the most affordable and comprehensive insurance policies for farmowners. Whether this be a working farm or simply a retreat for your family and friends, let us give you a great quote!

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Flood and Earthquake

Many individuals are unaware that flood and earthquake are not typically covered under the standard insurance policy. We welcome the opportunity to provide quotes for these coverage options!

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