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Business Owners Policy (BOP) in Fairfax, VA

Safeguarding Virginia Businesses in an Efficient, Cost-Effective Manner

Risk is a factor that comes into play for business owners when managing both daily operations and planning for long-term stability. Time and resources are not boundless, which is often the challenge when companies try to proactively plan against loss.

At Hardy Insurance Agency, Inc., we suggest Virginia businesses invest in a business owners policy (BOP). Designed specifically for small to medium-sized operations, a BOP secures a foundation of insurance protection, confirming cracks in coverage are filled in a streamlined and affordable manner. 

What Does a Business Owners Policy (BOP) Cover?

From contractors to restaurant owners, the businesses that pursue BOPs are as diverse as the coverages available. However, a core standard of protection is issued for all BOPs we produce, with a foundation of commercial general liability, commercial property, as well as papers and records coverage. A description of each of these offerings is detailed below:

  • Commercial General Liability – Assists in covering legal expenses if you face a lawsuit, or an individual is injured on the business’ property.
  • Commercial Property – Helps cover the cost of repairing damage to the property, as well as assets within its confines.
  • Papers and Records – Assists in covering the cost of losing valuable records, including the cost to replace or restore them.

Coverage, however, is not limited to the core offerings. Our agents take time to conduct a detailed review of your business operations. If additional protection is necessary, we can address those needs. Cyber liability, equipment breakdown, utilities, and spoilage coverage are all selections accessible to our clients.

Our clientele consists of business owners representing a variety of industries, including:

  • Attorneys
  • Accounting and Bookkeeping Firms
  • Chiropractors
  • Dentists
  • Insurance Agents
  • Medical Offices
  • Real Estate

Agents Excelled in Identifying Risks for Virginia Business Owners

As a staff, we specialize in issuing commercial insurance coverage for fellow Virginia business owners. Our agents take a consultative approach toward developing comprehensive business insurance portfolios.

A BOP allows our commercial clients to save time and money by streamlining services. Whether you are starting a new business or managing a longstanding company, we can ensure coverage meets your business requirements. For additional insight into business owners policies (BOP), contact an agent or request a quote.

Additional Resources:

  1. Information Regarding Business Owners Policies (Insurance Information Institute (III))
  2. Insurance Guides for Business Owners (National Association of Insurance Commissioners (NAIC))
  3. Small Business Insurance Details and Materials (The U.S. Small Business Administration (SBA))

At Hardy Insurance Agency, Inc., we’re proud to provide business owners policies (BOP) in Fairfax, Chantilly, Alexandria, Falls Church, Springfield, and Reston, VA. We’re licensed to serve clients throughout Virginia, Maryland, Delaware, New York, and Washington, D.C.  

Our Location

Hardy Insurance Agency, Inc.

10507 Braddock Road, Ste D
Fairfax, VA 22032
Main office: 703-503-3100
Toll free: 800-574-4343
Fax: 703-503-9028

Our Providers


The Hardy Agency is the best insurance agency in this area. I have had the pleasure of dealing with Stacey and Clair. Both are knowledgeable, professional, and honest people to work with. They are very responsive to any questions or assistance you may need. Stacey has gone above and beyond in her excellent customer service. Everyone at the agency is friendly, respectful, and helpful. Phone calls are returned and questions are answered. I wouldn't go anywhere else. If you want personal service, with caring people, this is the place for you.....

Sunshine70 From Virginia
I have been Nationwide customer for a number of years now and have been happy to use Nationwide insurance services. What I experienced most recently was the amazing and exceptional services provided by Hardy Insurance Agents. These people are wonderful as they listen carefully to your needs and requirements and then tactfully formulate the best options while considering your budget and financial possibilities. I wish to take this opportunity to personally thank Stacey for her wonderful and professional advises and the tips she made in connection with my insurance plan. Thank you ! Hedi

Hedi From VA
Keep up your outstanding service.All the best and many thanks for your service to us

ak1945 From Spotsylvania virginia
Clair Prenatt has been my Insurance agent for over thirty years. When I call him with a issue it gets done and he lets me know when it is done. Over the years there have been car accidents and our home was robed and just a few weeks ago the basement flooded. I called Claire and he told me what to do and I did just that. Once the claim was started another agent came to my home and looked at the damage and then went to his car and wrote up the claim and he came back inside and talked me through each and every line on it. Very detailed. So detailed I got bored :) LOL and then he handed me a check right on the spot. WOW. Now that is what I call service. It is very hard to find the service levels that Clair and Nationwide provide today. I will be a customer for life. Thanks

MoparMan From haymarket, VA
I always receive outstanding service from Claire Prenatt. There has never been a time he didn't return my calls or answer all my questions. He is an outstanding agent and always makes me feel he is looking out for what is best for me. I feel Nationwide is blessed to have him working for the company because of his dedication for his clients and the company. Thank You Elaine Delauder.

fonzie From Virginia
As a client of Hardy Insurance and Agent Clair Prenatt for 25+ years, I highly recommend both. Clair is not only highly knoweldgable, he is accessible, responsive, and most importantly, kind. When emergencies happen, you will be glad Nationwide, Hardy Insurance Agency and Clair are there for you.

lfhall From Arlingon, VA
The Hardy Nation Wide Agency has far exceeded my expectations of what an honest insurance agency truly is. From great customer service, to an honest, and reliable team, I can't say enough about how satisfied I am. I have recommended this agency to both my family and friends, and feel confident in recommending them to you as well.