Small business insurance in Virginia with Huckleberry Insurance

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Small business insurance in Virginia

Virginia is for entrepreneurs, and we have the numbers to prove it. It’s home to 745,866 small businesses that employ 1.5 million people—and boosted job growth by 50,960 in 2016 alone. All told, over 47% of private workers in VA make their living through a small business. So, if you’re a small business owner in the Old Dominion State, you can be proud knowing you’re a massive part of the state’s economy. And you need reliable small business insurance to keep your company safe, from Arlington to Richmond; Alexandria to Virginia Beach.

Get a business insurance quote with Huckleberry today. We’ll help you protect your VA business, so you can meet all of your insurance needs...and you can get back to the stuff that really matters.

The most common types of small business insurance coverage in Virginia

Workers’ Compensation Insurance

This is a mandatory insurance requirement in Virginia if you have at least one employee! Workers’ compensation coverage pays out for medical care, wage loss, and rehabilitation if your employee gets sick or injured on the job. (That means part-time employees, too.)

Business Owner’s Policy (BOP)

A Business Owner’s Policy (or BOP) is a bundle of vital coverages that protects your business in various unanticipated situations. A BOP contains business interruption insurance, property insurance, and general liability coverage.

General Liability Insurance

If a third party ever sues you for bodily injury or property damage, a commercial general liability insurance policy will help cover legal fees and the cost of a settlement. Business liability insurance is not to be confused with professional liability insurance (see below).

Commercial Property Insurance

Business property insurance safeguards your building in case of damage or destruction for a covered reason. Business personal property insurance, meanwhile, covers what’s inside your building.

Business Interruption Insurance

Business interruption insurance protects you from income loss if your business ever has to temporarily close down for a covered reason. It covers costs such as payroll and taxes and might even pay the bill for a temporary location if you need one.

How much does Virginia small business insurance cost?

First, let’s take a broad view of the numbers. For Virginia workers’ compensation, Huckleberry customers pay a median cost of $916 per year. For general liability coverage, the median price is $642 per year. For a BOP (or Business Owner’s Policy)—which combines general liability with other essential coverages—the median cost is also $642 per year.

However, be aware that these premiums will probably not match your premium. That’s because insurance companies use many different variables to determine coverage costs. Your company’s location, employee count, industry, and overall business needs will all influence your premium cost, which means you could pay more—or significantly less— than the median prices for Virginia business insurance.