Category Archives: ARTICLES

Employee Group Benefits

The employees of your business or organization depend on insurance programs for their personal financial protection. Whether you are just now considering offering group benefits or have offered them for many years, we can help you design an effective plan. … Continue reading

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Bonds

License and permit bonds are required by certain federal, state, or municipal governments as prerequisites to receiving a license or permit to engage in certain business activities. These bonds function as a guarantee that a company will comply with an … Continue reading

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Employment Practices Liability

Charges of wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations are a growing concern of business owners today. Insurance coverage is available to defend and pay judgments … Continue reading

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Directors and Officers Liability

Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a … Continue reading

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Professional Liability

As a professional, you never know when a disgruntled client will thank you for your services by filing a professional liability lawsuit. Clients can claim you were negligent or made an error or omission while performing your service. Defense costs … Continue reading

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Crime/Money Coverage

Theft of money by holdup, burglary, employee dishonesty or embezzlement are concerns of business owners. Insurance can protect against such losses. Common coverages include: Employee dishonesty involving money, securities, and other properties. May be written as blanket insurance or on … Continue reading

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Inland Marine Coverage

Do you have property used in your business that is routinely located off-site? When you’re working offsite, your business owner’s policy doesn’t always cover your tools, equipment and computers. What is covered? Common items covered by an inland marine policy … Continue reading

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Workers Compensation

Virginia law requires businesses with three or more employees, including owners, to carry workers compensation coverage on the employees. Employers’ liability exposure is reduced when Workers Compensation is provided. This coverage pays medical expenses and partial wage continuation when an … Continue reading

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Business / Commercial Auto Insurance

Vehicles titled in a business name and/or used in a business capacity usually require a commercial auto policy. Don’t try to insure your business vehicle on a family or personal auto policy. If an accident occurs, coverage may be denied … Continue reading

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Commercial General Liability Insurance

Commercial general liability insurance protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property. General liability insurance is critical if you or your employees: Visit a client’s place of work Have … Continue reading

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