Business Insurance

Protect your small business with local expertise.

Is commercial insurance part of your business plan? It should be. A customized policy helps a small business navigate risk, protect mission-critical assets, and bounce back from financial disasters. Our experienced agents can help you spot risks specific to your business, then build a tailored policy with a competitive rate to meet your needs.. Talk to your local agent to get started.

Meet custom coverage at a competitive rate.

Every business is different, so we don’t have cookie-cutter policies. Get help selecting the right coverage with your local agent.

Get a Quote

What type of insurance does my business need?

Your business liability and insurance needs depend on a lot of factors, such as your industry, size, assets, location, and more. No two businesses are exactly alike, that's why it's important to have the right company and the right coverage. A commercial package policy provides a safety net in cases of property damage, liability lawsuits, and lost income due to disasters covered under the policy. Your local agent can make recommendations designed just for your business goals and everyday risks.

businessowners Policy

Businessowners Policy (BOP)

A BOP combines property, business liability, and business income insurance into one simplified bundle. It’s usually cheaper than buying individual policies. It can also be customized for your industry.

Commercial Property

Commercial Property Insurance

Make sure you can recover after losing important business assets. Protect your workspace, inventory, equipment, and even data from common losses, such as fire and water damage.


General Liability

Accidents happen. A business liability policy helps protect your business and employees in cases of alleged negligence, including expensive lawsuits and damages for physical injuries.

Workers Comp

Workers Comp

Almost any business with employees is required to carry workers’ compensation coverage. It helps take care of your employees in case of work-related injuries, lost wages, and medical care and help protects you against employee-injury related lawsuits.

Contractors Insurance

Commercial Contractors Insurance

Companies and contractors on the go need more than liability coverage for their mobile equipment. This policy makes sure your mobile equipment and property is covered, no matter where work takes you.


Commercial Umbrella

If you need more coverage than a liability insurance policy offers, this flexible coverage keeps your growing business protected.

Commercial Auto

Commercial Auto

Any vehicle used for business purposes needs commercial auto protection. Make sure your business is covered in case a driver in your business is held liable in an accident.

Get coverage that works as hard as you.

Protect what you’ve worked so hard to build with a custom policy designed by an experienced agent.

Find an Agent

Why Virginia Farm Bureau Insurance?

Asset 2

You'll Support Virginia Agriculture

When you have insurance with us, you become a Friend of the Farm™. Your membership helps support farmers and their families, agriculture, and the Virginia way of life.

Asset 3

You’ll enjoy member perks & savings

Access to exclusive Member Deals Plus® and savings at top national brands like Ford and John Deere

Asset 4

You'll Get Local, Personal Attention

Our agents live where you live, which means we’re right around the corner when the inevitable fender-bender or unexpected life event happens.

Asset 5

You Can Access Your Account Anywhere

Manage your policy from your mobile device or your computer. You can get car insurance quotes, request auto ID cards, and more wherever you are.

Asset 6

You Get Coverage Tailored to Your Needs

Don’t settle for the minimum—make sure your coverage fits your life. Our agents customize your policy to fit your needs, budget, and the amount of coverage you need.

Asset 7

You'll See Why Our Member Satisfaction is So High

Our overall retention rate is hard to beat—92% of our members stay with us year after year1.