Virginia Business Insurance
There are two types of Virginia business insurance policies. The Virginia Business Owners Policy or BOP and the Virginia Commercial Package Policy or CPP. These two types of policies are explained below.
Virginia Commercial Insurance for Different Business Types
On the right sidebar of this page, we have links to a number of Virginia business insurance resources. Click on any of the different business types to learn more about the Virginia insurance coverages for that type of business. Please call one of our Virginia business insurance agents at Your Insurance Agency for any assistance.
The Virginia Business Owners Insurance Policy
This policy is intended for main street businesses and combines building, personal property, and liability insurance coverage with other attractive options into one package. The BOP is an efficient way to provide the Virginia commercial insurance coverages that most small businesses need.
Are You Eligible for a BOP?
The two keys to BOP eligibility are type of business and square footage. General examples:
- apartment buildings
- office buildings
- buildings used primarily for mercantile, service or processing purposes
- mixed use, e.g., stores in an apartment building.
Square footage guidelines can relate to overall building space or a business’s rental space. Generally, the cutoff for BOP eligibility is 25,000 square feet; however, this varies between Virginia business insurance companies. We will determine if a business is eligible for a BOP and if the BOP option is the best value.
Business Auto Insurance
Any business that requires the use of vehicles, whether it’s a single company car, an entire fleet of trucks or anything in between, needs business auto insurance. Not just any insurance: You want the necessary insurance protection for the best price that fits the specific needs of your operation…
Your Insurance Agency provides exactly the expertise you need. We represent the top rated business auto insurance companies and will design a custom commercial auto insurance plan specifically to meet the needs of your company. We can deliver the strategies, tools and resources that will help you manage your transportation and fleet industry risks, control workers’ compensation claim costs, advance safety and boost employee morale. Here are a few of the business auto insurance advantages you get from Your Insurance Agency:
On the right sidebar of this page, we have include links to a number of Virginia business insurance resources. Click on any of the different business types to learn more about the Virginia commercial insurance coverages for that type of business. Please call one of our Virginia commercial insurance agents at Your Insurance Agency for any assistance.
Why Choose Your Insurance Agency?
It’s all about what we “Give” you and what you can count on and “Take” to the bank.
We “give” you all the personalized attention you deserve. We want to understand what “your world” looks like so we can create a tailor-made plan that protects the things you value most and at a price that fits your budget.
We “give” you access to top-rated insurance carriers in Virginia. Carriers that are rock solid and have been around for over 165 years and can assure you of peace of mind when you need it most. Companies with total access to the things you need when you need them; direct claims access, direct customer support, payment options, websites and apps for people on the go, and the ability to handle and pay claims quickly.
We “give” world class customer service to our clients. With over thirty years of customer service experience and training from some of the largest corporate names in the world, providing our customers with the care and considerations they deserve is our top priority and greatest concern. Our agency thrives on repeat and referral business and without professional, timely, and efficient care our clients will not recommend our services to others.
We “give” you “all things insurance” as our brand and logo imply. With our many years of experience and the effort we have made to educate ourselves across every aspect of insurance, we can provide you with access to every type of insurance you may need. We might not have all the answers, but we can do the research and get you the answers you need. If there are products we don’t have, we can get them. If not, we can put you in touch with someone that does. With our personal relationships and network of insurance professionals in Virginia, no answer or resolution is too far away.
“Take” heart in knowing that we have done our homework and have learned everything we possible can about what’s important your world and what you want to protect; family, health, assets, or business. We want you to rest easy in knowing we care enough to ask the hard questions in order to protect the things you didn’t remember to ask about. Mark Twain said, “What gets us into trouble is not what we don’t know. It’s what we know for sure that just ain’t so.” As true as that is, we also uncover those things you didn’t know to ask about.
“Take” comfort in knowing that the insurance provider we place you with has the financial strength, track record, and resources to keep you on track to meet you goals as life happens. Life isn’t always easy and when it’s not, you need to the peace of mind of knowing it will be taken care of.
“Take” control or give it to us. Your customer service needs are at your fingertips. Our select portfolio of carriers has you covered when it comes to being able to access your coverage information, ID Cards, change requests, payments, and more. By providing you with insurance companies that have created world class websites and phone apps, you have immediate, 24/7 access to nearly anything you may need.
“Take” it to the bank. Not just the savings you may enjoy by allowing us to shop the competition for you, but also for the knowledge and experience that only years in the business can give. At Your Insurance Agency, we are committed to continuing education through training and certification courses and to expanding our growing network of agency partners across the state of Virginia. As G.I. Joe would say, “Knowing is half the battle”.
High Insurance Carrier Expectations
Insurance Carrier Selection Criteria. We only do business with top rated companies.
- Strong online presence and web tools for our clients
- Mobile apps to meet the demand for instant access to ID Cards, reporting losses, and making payments or requesting changes while on the go
- Direct phone contact numbers for reporting claims and making payments
- Flexible payment methods and plans
- The ability to handle and pay any insurance claim
- Quick response times when a claim is reported
- AM Best ratings of “Excellent” or higher