Commercial Business Insurance

Every business is different. We realize there’s no one-size-fits-all solution to your needs.

From Commercial Auto Liability to Employee Liability. We’ve got what your business needs.

We understand the exposures businesses face on a daily basis, from your valued employees to your building and autos. As Virginia insurance agents and consultants, Business Solutions offers commercial business insurance services. Our team can review your current policy and suggest improvements, or build your coverage from the ground up.

Commercial Liability

We understand the day-to-day uncertainties associated with running a business. Commercial Liability insurance can cover damages that you’re responsible for, attorney fees, medical expenses, and injuries.

Commercial Property

Commercial Property coverage protects your physical assets in the case of a minor or major loss.

Commercial Auto

Many businesses depend on vehicles every day to operate. Protect your business from the unexpected with Commercial Auto Insurance.

Commercial Umbrella

Our commercial umbrella insurance coverage will protect your business in the event that a claim exceeds your existing liability limits. Your commercial liability will typically take care of claims, but in serious cases, commercial umbrella coverage will insure that your business is protected.

Equipment Breakdown

In today’s modern world we rely on telephones, computers, and other electronic devices. Most commercial property policies do not cover these items in the event of a power surge or mechanical breakdown. Equipment breakdown coverage fills this gap and protects your business by paying for the cost to repair or replace these devices.

Business Interruption

Should your business incur a loss that keeps your doors closed you still have to pay your bills. Business interruption coverage allows you to pay for lost income and continued business expenses during this downtime. It will also pay to temporarily relocate your business and advertise the move.

Workers Compensation

Business Solutions offers protection for you most valuable business asset: your employees. Workers compensation will pay for your employees medical treatment and replace lost wages should the employee miss time from work.

Employee Benefits Liability

We offer employee benefits liability to cover your business in the event of an error or omission in the administration of an employee benefits program. This could include leaving an employee off of your group health/life policy or neglecting to advise an employee the plan exists.

Surety Bonds

Business Solutions offers various Surety Bonds such as Contract Bonds, Commercial Bonds, Court Bonds, and Fidelity Bonds.

Latest News

In Depth: The Future of Work Part 1

by bpollard | Jul 2, 2020

The hardest thing about the future of work is defining the concept. The chief reason has to do with change. It’s constant with new technologies coming online at an increasing pace and changing the way people complete their work. If the data is to be believed, what HR...

4 Steps You Can Take to Feel More in Control Now

by bpollard | Jun 26, 2020

COVID-19 has upended life as we know it for millions of people around the world. Many of us—including the young and healthy—are seriously contemplating our mortality for the first time. As the parent of a toddler, with a baby on the way, I’m definitely in this camp....

Ask the Advisor: Can We Deny an Employee’s Use of Accrued Vacation Time?

by bpollard | Jun 24, 2020

Question: Can we deny an employee’s use of accrued vacation time? Answer: Yes, the decision to approve or deny the use of accrued vacation time is up to you, assuming you do so in a consistent and non-discriminatory manner. It would be acceptable, for example, to deny...