VFB Html

Virginia Farm Bureau Information Center

Information Center

When is the right time to get your business, commercial coverage?

When is the right time to get your business, commercial coverage?

Do you need commercial insurance?

When you own and operate a business, it’s crucial that you have the proper insurance coverage. Whether your business is located in the main strip, a strip mall or your own home —it’s important to protect it. Business or commercial coverage plans are designed to protect businesses from potential losses and keep them running smoothly. Without business insurance, a theft or natural disaster could cause devastating loss. Additionally, business insurance can provide business property and liability coverage. 

Will my homeowners cover me?

Are you a freelancer? Do you sell on eBay? Are you a Tupperware or Avon consultant? Just because you operate your business in your home does not mean you’re covered. An unendorsed homeowner policy or standard auto policy will not protect your home business or vehicle used for your business. You need a business policy, plain and simple.

Will my personal auto insurance cover me?

Are you an Uber or Lyft driver? Do you sell LuLaRo, Pampered Chef, Stella and Dot or have another independent consultancy gig for which you transport goods or merchandise? Are you a contractor who transports your own tools? Typical property policies do not always adequately cover these needs. Bottom line—when using vehicles for your business, they should be insured on a commercial auto policy.

Tweet: An unendorsed homeowner policy or standard auto policy will not protect your home business or vehicle used for your business. You need a business policy, plain and simple. via @VFBinsurance

An unendorsed homeowner policy or standard auto policy will not protect your home business or vehicle used for your business. You need a business policy, plain and simple. via @VFBinsurance Click to Tweet

What if I occasionally rent a room; do I still need business insurance?

Do you rent a room out on Airbnb? What happens if you accidentally break a guest’s expensive drone? What if a guest claims libel or slander while staying in your home?  If a business is based out of your home, a personal homeowner policy will not cover business liability claims.

But I’m just giving products to customers who buy from a larger group.

For businesses that include storing products in your home that consumers come onto your property to pick up or purchase them, a separate business policy is needed.

What’s the bottom line?

As a business owner, you work hard to bring your dreams to life. Virginia Farm Bureau writes business policies for most commercial and personal services, offices, retail operations, specialty contractors, churches and more. Let us help protect what you’ve worked hard to build.

Whether your business is little or big, in-home or not—it’s a good idea to speak with your local Virginia Farm Bureau agent about making sure you’ve got the right coverage when your business needs it most. Since each situation is unique, whether or not you need a BOP, (Business Owner Policy) commercial liability, commercial property or commercial auto policy is a decision worth considering.

Contact a Virginia Farm Bureau Insurance agent to discuss protecting your business today, find a local agent or learn about our business coverage.




Are annual insurance reviews necessary?

Are annual insurance reviews necessary?

Between old-fashioned weekly newspapers and by-the-minute social media updates, Farm Bureau agents keep up with a lot of changes in our member’s lives.  However, there are some things that don’t get posted on social media. That’s why it’s crucial to have an annual review with your Virginia Farm Bureau insurance agent.




Christmas Tree Safety Tips for Your Home

Christmas Tree Safety Tips for Your Home
Fake or live, fir or spruce, Christmas trees are a spectacular holiday tradition. But don't get cozy by the hearth just yet. 
Fires related to holiday decorations can be deadly serious. Keep your loved ones safe with our Christmas Tree Safety Tips for Your Home. From choosing the tree to keeping it fresh, we've got advice to help you best!



How NOT to Get Scammed This Holiday Season

How NOT to Get Scammed This Holiday Season

While shopping and taking in the sights of the season, take some simple steps to protect yourself from thefts and fraud.

 




How to Avoid Water Damage Claims

How to Avoid Water Damage Claims

Coming home to a house full of water is not how you want to end a relaxing vacation. Water damage claims are one of the most common types of claim received by Virginia Farm Bureau Mutual Insurance Co. and can be costly to repair. We’ve got a few tips for avoiding a wet situation.




Is Your Home Winter Ready?

Is Your Home Winter Ready?

Ice and snow can cause homeowners thousands of dollars in damages each year. Common-sense examinations can determine whether your home is winter-ready. Take the time to have a conversation with your Virginia Farm Bureau Insurance Agent. He or she can make sure you have appropriate coverage for any damage related to winter weather.




Prevent Fires Where Many of Them Start - in The Kitchen

Prevent Fires Where Many of Them Start - in The Kitchen
Did you know more fires start in the kitchen than any other part of the home? Learn how to keep your home and family safe from fiery kitchen nightmares!



Why you NEED to clean your gutters and how to do it!

Why you NEED to clean your gutters and how to do it!

Do you know why gutters need to be cleaned annually or how to do the dirty task?




Insurance Life Events Series: Issues to Consider When Your Children Move Out

Insurance Life Events Series: Issues to Consider When Your Children Move Out
When the chicks leave the nest, they can leave more than their childhood toys. Learn about what important insurance policies you need to review after your kids have ‘officially’ moved out. 



Insurance Life Events Series: Issues to consider when getting married

Insurance Life Events Series: Issues to consider when getting married
Are wedding bells in your near future? If so, we’ve got some news for you. It’s time for an insurance review!



Get an Insurance Quote

Whether auto, home, life, or health, Virginia Farm Bureau Insurance has you covered. Get an insurance quote today.

Get a Quote

Smart Start

Teen Driver Discount Program

Get your teenagers’ driving career off to a great start while saving on your auto insurance premiums with our Smart Start Program.

Learn More

Virginia Hurricane Preparedness Central

Hurricanes are strong storms that can be life-threatening as well as cause serious hazards such as flooding, storm surge, high winds and tornadoes. Learn what to do to keep your loved ones safe!

Learn More

Home Inventory 101 for Virginians

Every year one in 15 insured homes suffers a loss or damage large enough for the owners to file an insurance claim. In 2013 the average claim from such incidents was $8,823. Yet fewer than half of Americans know what’s in their homes!

Learn More