Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Insurance for Businesses Across North Virginia
A business is a huge venture that requires hard work, dedication and resources. You want to protect all of that hard work with a comprehensible business insurance policy. Many businesses fail in the first five years due to a lack of resources, and a single lawsuit in the beginning of your business can spell trouble for your company.
Hardy Insurance Agency is dedicated to helping you protect your business with an affordable insurance policy. We will help you tailor a business insurance policy to your company’s needs and budget.
What Insurance Do I Need for a Small Business?
Your business and its insurance needs are unique, so you need a unique business insurance policy to match. Some key coverages that we recommend most small businesses include:
General Liability
General liability insurance covers bodily injury, property damage and personal and advertising injury. For example, if someone is injured on your business’ property, general liability insurance will pay for their medical bills and protect your business from a lawsuit regarding the incident.
Workers Compensation
Workers compensation covers injuries your employees may suffer while working. It can cover:
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Medical payments
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Disability benefits (partial permanent disability, partial temporary disability, total permanent disability, etc.)
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Wage replacement
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Death benefits
Compensation depends on the severity of the injury. This insurance is required for most businesses across states and industries.
Commercial Auto Insurance
If your business owns or uses vehicles for work, you will need commercial auto insurance for coverage. This insurance covers damages to your commercial vehicles and liability in case of an accident. A full coverage policy generally includes comprehensive coverage, collision coverage, liability, medical payments coverage and uninsured/underinsured motorist coverage.
Employee Benefits Insurance
Most businesses offer an employee benefits plan to their employers. Employee benefits liability insurance covers errors an employer may make that affect the employee benefits. It guarantees a payout for employee benefits in case an employer error.
Small businesses can also combine coverages into a single comprehensive business owners policy.
Protect Your Business Today
Protect your hard work with an affordable business insurance policy through Hardy Insurance Agency. Call us at 703-503-3100 | 703-820-3100 or fill out an online quote form to get started.
Common Business Insurance Questions
Qualifications for a small business depend primarily on the industry of the business. A small business in one industry may be 100 employees while a small business in another industry could be 1,000. Speak with an agent at Hardy Insurance Agency about where your business falls.
Business insurance laws vary between states and industries. In most states, businesses are required to carry workers compensation insurance and commercial auto insurance when applicable.
When you purchase a business insurance policy, your company will pay monthly premiums.
You need a business insurance policy in place before you ever open your doors. Before you hire employees, make sure you have a workers compensation policy.
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