Commercial Insurance | Group Benefits Fairfax VA

COMMERCIAL INSURANCE PRODUCTS

Workers Compensation
Property Coverage
General Liability
Errors & Omissions
Directors & Officers
Commercial Auto Insurance
Umbrella Liability Insurance
Malpractice Coverage

Workers Compensation
There is no room for guesswork when it comes to your company’s compliance with workers compensation requirements. BBG’s Property and Casualty experts will ensure that you have a clear understanding of the regulations, help you determine the level of coverage required, and secure the best rates possible. Your BBG agent will then guide you through the application and enrollment process, and provide claims assistance and ongoing account service.

If you don’t know all the rules, you have no way of knowing whether or not you’re in compliance with them. BBG knows. And we’ll show you the way. For more information on workers compensation coverage, click here.

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Property Coverage
If there are no guarantees in life, there are even fewer in business. Yet while you can’t always prevent the unexpected, you can prepare for it. Fire, vandalism, theft, flood… a simple twist of fate can have devastating effects on a business. The cost of replacing lost or damaged property has driven countless businesses out of business. But there’s no reason your company should ever be among them.

BBG’s Property and Casualty agents can help you obtain the property insurance that will protect your company’s assets and its future in the face of what might otherwise be a catastrophic loss. Though banks and equipment and property lessors typically require this coverage, some businesses are still underinsured. Click here to make sure all your company’s property is sufficiently covered… and be ready for anything.

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General Liability
Even with well maintained, top-of-the-line equipment and highly skilled, professional workers, doing business without adequate liability coverage is just risky business. Despite your best intentions and meticulous preventive measures, accidents still happen.

Fortunately, the right General Liability coverage will protect your interests and give you the peace of mind knowing you are covered should a liability issue arise. The experts at BBG can help you find the coverage that meets your company’s needs, while saving you the time and hassle of shopping for it yourself.

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Errors & Omissions
Let’s face it… no one is perfect. In an increasingly litigious environment, business owners can not afford to leave themselves open to lawsuits arising from the inevitable—and potentially costly—human error. Should that error create defects in the product or service you deliver to a customer, you could be held liable for any fines or other monetary damages your customer may incur as a result.

BBG’s experts can help you mitigate this risk with Errors & Omissions insurance. No matter how meticulous you are, no matter how deep your commitment to quality, mistakes can still happen. Fortunately, they needn’t be catastrophic.

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Directors & Officers
At BBG, our business is protecting your business. With claims against private companies on the rise, Directors and Officers Liability insurance is becoming a routine purchase during periods of growth. D&O insurance covers claims arising from the actual or alleged wrongful acts of individual directors or officers, protecting the company as well as its executives.

This coverage also helps the company attract and retain outside directors and corporate officers, minimizing their exposure to the risks of doing business in today’s complex marketplace. Click here to learn how BBG can protect your company and those who lead it.

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Commercial Auto Insurance
If you’ve ever shopped around for personal auto insurance, you know it can mean spending hours online or on the phone answering the same questions over and over again, then getting quotes that leave you scratching your head and comparing apples to oranges. For businesses searching for the best rates on commercial auto insurance, there simply aren’t enough hours in a day.

With BBG, affordable auto insurance is just a click away. Representing multiple carriers, we’ll shop and compare plans and rates for you, leaving you free to concentrate on business. Click here to secure the lowest rates on commercial auto insurance. We’ll take care of the rest.

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Umbrella Liability Insurance
This form of liability insurance protects policyholders for claims in excess of the limits of their primary automobile, general liability and workers compensation policies. These policies are subject to a deductible, which may range from $250 for a personal umbrella to a minimum of $10,000 for a commercial umbrella. The coverage limits begin at $1,000,000 and can be increased as your exposure increases.

How does it work? This type of liability insurance is designed to provide an extra layer of coverage above the primary layer. The excess insurance does not respond, however, until the limits of liability in the primary layer have been exhausted. Because of the method of response, it is often much less costly than the primary layer, per $1,000,000 of coverage. The excess layer provides not only higher limits, but catastrophic protection for very large losses.

As your business grows, your liability limits should grow with it.
BBG's Property and Casualty experts will provide periodic assessments of your company's insurance needs to ensure that your coverage is keeping pace with your success.

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Malpractice Coverage
Medical science has made remarkable strides in recent decades. So many, in fact, that patients have come to see physicians as virtual miracle workers, indomitable against any injury or illness that man or nature can inflict upon us. Yet, as we’ve seen time and time again, when those illusions are shattered, lawsuits often result.

BBG’s Malpractice insurance professionals can help determine the type and amount of coverage you need to protect yourself, your practice and your assets in the event such claims are made against you. While you strive to provide the best care possible, there are always factors beyond your control. Damages from malpractice suits, however, are not among them.

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