Commercial Insurance
Protecting Your Business, Empowering Your Success
Your business is more than just a job—it’s your passion, your livelihood, and your legacy. At Central Virginia Insurance Agency, we understand the unique challenges that businesses face. That’s why we provide comprehensive commercial insurance solutions tailored to your specific needs. Whether you’re a small business owner or managing a large enterprise, our policies ensure you’re prepared for the unexpected.
What We Cover
General Liability Insurance
- Protects your business from claims of bodily injury, property damage, and personal injury.
- Coverage for customer accidents, damage to rented property, and more.
Commercial Property Insurance
- Safeguard your business location, equipment, and inventory from theft, fire, and natural disasters.
- Coverage for owned or leased buildings.
Business Owners Policy (BOP)
- A cost-effective package combining general liability, property insurance, and business interruption coverage.
- Ideal for small to medium-sized businesses.
Workers' Compensation Insurance
- Covers medical expenses and lost wages for employees injured on the job.
- Ensures compliance with state regulations.
Professional Liability Insurance (Errors & Omissions)
- Protects against claims of negligence, errors, or omissions in professional services.
- Essential for consultants, attorneys, and other service providers.
Commercial Auto Insurance
- Coverage for vehicles used in your business operations.
- Includes liability, collision, and comprehensive protection.
Umbrella Insurance
- Additional liability coverage that extends beyond your primary policy limits.
- Protects against significant claims that could impact your business’s future.
Why Choose Central Virginia Insurance Agency?
- Customized Policies: Every business is unique. We design insurance plans that address your specific needs.
- Experienced Agents: With over 25 years of experience, we understand the risks businesses face in Culpeper and beyond.
- Dedicated Support: From selecting coverage to filing a claim, we’re with you every step of the way.
- Competitive Rates: We compare policies from top providers to find the best options for your budget.
Industries We Serve
- Retail and Hospitality
- Construction and Contractors
- Professional Services (e.g., law firms, consultants)
- Healthcare and Medical Practices
- Agriculture and Farm-Related Businesses
- Non-Profit Organizations
FAQs
Do I need a Business Owners Policy (BOP)?
A BOP is ideal for small to medium-sized businesses as it combines key coverages into one affordable package.
Does general liability insurance cover employee injuries?
No, employee injuries are covered under workers’ compensation insurance.
Can I bundle multiple policies for a discount?
Yes, bundling policies like property, liability, and workers’ compensation can save you money.
Secure Your
Business’s Future Today
Uncertainty is a part of running a business, but with the right insurance coverage, you can focus on growth and success. Let Central Virginia Insurance Agency help you protect your business from unexpected risks.