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Business Insurance Policies

Whether you own a small business or manage a multi-facility corporation, business insurance is a vital element in ensuring that your business would survive a catastrophic event that would, overnight, interrupt its role to function, thus potentially ruining what you have worked so hard to build.

Business Insurance is designed to cover business interruption, property damage due to fire or flood, employee claims for harassment or unlawful discharge, and/or director and officer liability. Colony Insurance offers a wide range of business policies that deal specifically or as a group, all of these issues.

We offer a variety of options catering to specific small to large business insurance needs.

Business Insurance Quote Forms On Demand
Business Auto Insurance
Small Business Insurance
Workers Compensation Insurance
Business Flood Insurance
We are only licensed to write policies for residents in the State of Virginia

Basic business insurance coverages provided by independent insurance agency package policies are:

  • Fire and theft coverage on office equipment and inventory.
  • Trip & fall and lawsuit coverage, in the event someone claims that something you did caused them to become injured.
  • Basic small business supplemental policies such as Certificates Of Insurance and Additional Insured Endorsements

 

   
 

Click here to submit an auto or other insurance claim.
Click here to submit a policy change.

Along with these issues will come a lot of questions as to why business insurance is so important to your comany's survivability. Colony Insurance is not to be looked at as an insurance quoter, but as your buainess insurance counselor. We will answer all of your questions concerning these types of insurance and also present a lot of answers to issues you may not be aware of.

Does your current policy cover all of your concerns? Can they be filled? Business insurance policy foundations can sometimes be expanded upon or revised in certain situations.

Just some of the issues to consider are:

  • Does your insurance policies fully cover the risk or are your coverage limits high enough?
  • What would be the deductibles associated with these various policies?
  • Will separate facilities or separate time losses be considered a single or multiple loss for pertaining to coverage limits and deductibles?
  • Would there be exclusions to the coverage?
  • Is the policy an occurrence policy or a claims made policy?

Another important consideration is the service record of the business insurance company your policy is written with. Make sure it has a good policy of paying claims promptly so you can get your business back to where it was as soon as possible.

Since the nature of your business insurance will be long-term, you will want to be sure that your policies are kept updated with the ever-changing advancements and increases in business liability requirements. Let Colony Insurance be your business insurance manager to keep up with your business's requirements now and in the future.

Take the time to carefully review your company's coverage requirements. Seek the guidance of experienced professionals. Working with a knowledgeable insurance broker and seasoned insurance counsel will go a long way to preparing your company for any contingency.

Types of Businesses We Insure

  • Office
  • Retail
  • Service
  • Wholesale
  • Habitational
  • Manufacturing
  • Contracting
  • Churches
  • Schools
  • Child Care
  • Used Vehicle Dealers
  • Medical Offices
  • Computer Sales/Consultants
  • Your Business

Business Insurance Coverages Offered

  • General liability
  • Property coverage - Buildings & Contents
  • Employee Dishonesty
  • Tools and Equipment
  • Mechanical & Electrical Breakdown
  • Business Interruption / Income Protection
  • Business Auto
  • Garage Liability
  • Directors and Officers Liability
  • Employee Benefit Liability
  • Employee Practices Liability
  • Workers Compensation
  • Professional Liability
  • Commercial Umbrella
  • Bonds
  • Builder Risk

Companies Represented:

  • Erie Insurance Group
  • Goodville Mutual
  • Rockwood Casualty
  • The Hartford Group
  • Zurich Insurance Group
  • Technology Insurance Company
  • Pennsylvania Lumberman's Mutual
  • Philadelphia Insurance Companies
 
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