Auto Home Commercial Insurance Quotes * Hayes VA Virginia

COMMERCIAL LINES INSURANCE

We are pleased to be Licensed in the following State: Virginia.

We know just how important your business is to you. As a business owner you have a lot to protect. That's just one of the reasons why we take the time to...

We take the time to effectively analyze your business needs.

We help you develop a plan that is customized and responsive to your own specific situation.

We can offer you very competitive pricing reflective of your exposure and experience.

Running a business in today's economy is a challenge, but can also be very rewarding. Although keeping up with day-to-day operations takes up most of your time, you also must take all necessary precautions to safeguard your business from loss.

Whether you own an office building or a coffee shop, we offer the right combination of coverages to meet your needs.

Our many products and coverages can be tailored to meet your business insurance needs. Furthermore, our Business Policies are customized and responsive to your specific needs, no matter how big or small. The companies we represent may even provide the opportunity to package many of these coverages within a single policy.

		Commercial Automobile - this coverage is available to protect your business from the liability associated with operating automobiles. Coverage is available for owned, non-owned, and hired vehicles including autos, trucks, vans, tractors and trailers. Physical damage coverage is also available.
		Commercial Property - provides coverage for your buildings and contents. Coverages range from specific named-perils policies to broader all-risk policies.
		Inland Marine - provides coverage for business assets and hardware while these items are off premises.
		Workers' Compensation - this coverage is designed to meet the workers' compensation laws of your state. Workers' compensation coverage provides protection for injured workers and supporting protection through employer's liability coverage.
		Commercial Liability - provides coverage including defense for liabilities associated with operating a commercial business enterprise. Policies are tailored to meet the specific risk management needs of your business.
		Umbrella and Excess Liability - this coverage complements your property/liability program and provides additional limits of coverage. In today's litigious society, smart business people protect their investment with umbrella coverage.
		Professional Liability - provides coverage for defense costs and awards for liability arising from improper professional practices and errors and omissions in the conduct of business activities.
		Directors & Officers - designed to protect the directors and officers of your organization from damages and defense costs due to civil claims, claims of negligence, and of errors and/or omissions.
		Employment Practices Liability - provides coverage for defense costs and liability arising from allegations of improper employment practices, sexual harassment, and discrimination.
		Home Based Business - homeowners insurance does not necessarily cover many home business-related claims. This could mean a major loss of income, as well as other significant losses, for your home business. If you have a home based business consider contacting us to discuss proper coverage options that offer both protection and affordability.
		Ordinance or Law Coverage - one of the most needed types of coverage is also one of the most commonly overlooked, or even known about, by consumers. It's called Ordinance or Law Coverage. As your building becomes older certain changes in your county's building codes and ordinance change to reflect new standards for construction. If your older property suffers a substantial loss, fixing it may require a higher construction standard to reflect new laws, therefore simply replacing your property as it was just isn't good enough to meet these new laws and codes. Ordinance or law coverage pays for these upgrades in building standards.
		Special Event Coverage - provides third party liability coverage for a short term special event.

Learn More About Business Insurance from the Dedicated
Professionals at Action Insurance Agency, Inc....
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	Inland Marine ▼ Inland Marine Insurance For Your Business If you move goods or equipment from one location to another, or have an off-premises exposure, you need the special protection of Inland Marine coverage. Inland Marine can protect many types of property including property at your location, in transit, at a customer's location, or property of others in your care. We have numerous coverages designed to provide you with the specific protection your business needs. The following is a list of only some of the coverages available: Accounts Receivable Boat Dealers and Marina Operators Builders Risk and Installation Camera and Musical Instrument Dealers Contractors Equipment and Tools Electronic Data Processing Equipment Equipment Dealers Exhibition Fine Arts Merchants Property Mobile Communication Equipment such as cellular phones, CBs, etc. Motor Truck Cargo Carriers Physicians and Surgeons Equipment Radio and TV Towers Salespersons Samples Signs Transportation Valuable Papers Property Insurance ▼ Property Insurance For Your Business We offer a variety of excellent property coverages for your business' buildings, personal property, and income. All property policies include additional coverage at no charge that provides higher coverage limits than most standard policies, in addition to extra coverages normally not found. Some coverages even offer you the option to purchase higher limits. The following list only highlights some of the coverages included: Newly Acquired Property and Business Personal Property Property Off-Premises Outdoor Property and Outdoor Signs attached to Buildings Lawn Coverage on which your property is located Arson Reward information leading to an arrest Extra Expenses incurred to keep your business running after an insured loss Water Back-up and Overflow from sewers, drains or sumps Money and Securities General Liability ▼ General Liability Insurance For Your Business You must protect your customers from potential injury – your financial security can be put at risk if you are legally liable for damage to someone's property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in your line of business, you are not fully protected unless you have liability insurance. Liability coverages include: coverage for tenants' property damage liability Medical Payments Expanded Fire Damage – coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents coverage is provided for additional insureds when required by written contract Extended Property Damage – coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property additional insured status is extended to employees who provide professional health services when this exposure is incidental Umbrella Liability ▼ Umbrella Liability Insurance For Your Business Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverages. High limits – Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance. Broad coverage – Protection goes beyond the scope of coverage provided by the underlying insurance. Legal costs in addition to limits – Legal defense costs are covered in addition to the umbrella limits of liability. Legal defense from the first dollar – If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar. Our umbrella policy is designed to meet clients' needs for a well-rounded business insurance program.