Business Owners Insurance

Simplify, save, and get back to business.

At Virginia Farm Bureau Insurance, a business owners policy offers packaged business insurance coverage without the hassle of multiple policies. It rolls property coverage, general liability, and lost income coverage together, so the total cost is often lower than individual policies.

Everyday protection you can rely on.

From farms to florists to financial advisors, every business needs to protect itself with the right BOP. We offer competitive rates and never charge for your certificate of insurance.

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BOP coverage is specially tailored to mid-size and small businesses, and can include some home businesses and incidental online sales, and you can add specialized coverage according to your industry.

Business Property

Protect your business inside and out – including your inventory, furniture, landscaping and outdoor signs.

Workers’ Compensation

Provide your employees with a financial safety net if they are injured on the job.

General Liability

This standard coverage will help cover legal expenses and medical costs if you are responsible for an accident.

Loss of Income

Recover quickly if your business can’t operate normally due to a covered disaster, such as a fire.

Additional Coverages

Equipment Breakdown

Helps cover replacement or repair of critical machinery and electronics your business relies on every day including HVAC equipment and sensitive electrical systems and components.

HVAC
  • Air Conditioners
  • Heating Units
  • Fans
Electrical Equipment
  • Communication Devices
  • Computers
  • Electronics
  • Point-of-Sale
Mechanical Equipment
  • Elevators/Escalators
  • Cooking Eqiupment
  • Medical Equipment
  • Pressurized Equipment

Cyber Suite

Includes a full list of services and resources if your business or customer data is stolen or lost. We can help pay for public relations fees, data recovery and identity monitoring costs after a breach.

Business Protection
  • Public Relations Costs
  • Regulatory Notification Costs
  • Legal Costs
  • Identity Recovery
  • Loss of Income Coverage
  • Data Compromise Liability
  • Network Security Liability
Data Protection
  • Malware Attack
  • Ransomware/Cyber Extortion
  • Data Recovery

Employment Practices Liability (EPL)

Equal Employment Opportunity laws prohibit discrimination or harassment of protected groups. EPL helps provide liability coverage if an owner or employee is accused of discrimination or harassment.

Discrimination Based on
  • Race
  • Color
  • Religion
  • National Origin
  • Gender
  • Age
  • Disability
Harassment
  • Physical
  • Verbal
  • Sexual
  • Wrongful Termination
  • Retaliation

What if I need additional protection and endorsement options?

Since a BOP combines coverage types, events that disrupt your business in multiple ways can all be handled with one claim.

For example, let’s say a clothing and gift boutique takes out a BOP policy and a water pipe bursts and ruins inventory as well as the floors.

The BOP will cover the cost of damaged inventory and shop space.

Since water damage is a covered loss, the BOP will also replace income lost while the shop is closed for repairs.

The boutique’s owners can maintain business operations and other financial obligations despite the loss.

Your business may need these related products.

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.

Commercial Umbrella

Commercial Umbrella

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

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.

Get personalized protection for your business

Let one of our qualified agents assist you in personalizing a BOP that meets your needs and your budget.

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The preceding insurance descriptions contain only a general explanation of available coverages and are intended for informational purposes only and do not replace or modify your individual policy’s provisions and applicable endorsements which control coverage determinations. To learn more about insurance coverage talk to your local Virginia Farm Bureau Agent.