Business Insurance

Comprehensive Business Coverage Perfect for You

At BlueSky we understand the importance of having affordable, comprehensive business coverage in place no matter how big or small the business may be. Insurance is important for any business; there is no doubt about that, especially in the litigious society we live in. However, it is not the kind of coverage a business owner should rush through purchasing. Buying business insurance is a complicated process and you want to make sure you have an insurance agent who will take the time to ensure that you have all of the policies your business needs to operate smoothly. We can identify the required state policies and suggest more comprehensive and affordable Virginia business insurance solutions. A business is a huge investment; do not leave it to chance by having inadequate insurance coverage.

BlueSky can offer the following business insurance coverage for Virginia:

  • General Liability Insurance
  • Workers Compensation Insurance
  • Commercial Auto Insurance, Including Hired Auto and Non-Owned Auto
  • Commercial Property Insurance
  • Inland Marine Insurance
  • Professional Liability Insurance, such as Errors & Omissions and Medical Malpractice
  • Directors & Officers Insurance
  • Businessowners Package Policies, Including General Liability, Property and Crime Coverage
  • Surety Bonding
  • And much more…

General Liability Insurance

General liability insurance protects your business for liability issues resulting from personal and advertising injury, including medical expenses. It also addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In the event of a claim, the costs of a legal defense and/or a settlement can be enough to shut down a company without adequate coverage. Your policy can cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit. At BlueSky we will take the time to talk with you about your business and design a program to help protect your assets while providing you with optimal protection and the most competitive pricing. You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today.

Workers Compensation Insurance

Workers compensation insurance covers employees injured on the job and also covers work-related illnesses. As a business owner, you are required to have Virginia workers compensation insurance coverage in order to comply with state and federal regulations. Workers compensation insurance provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. Workers’ compensation insurance eliminates the need for time-consuming litigation, and creates an easier process to help injured employees recover and get back to work.

Commercial Auto Insurance

Commercial auto means that you use your car for business purposes such as sales, service, delivery calls, or work-related errands like trips to the bank or post office. BlueSky provides comprehensive commercial auto insurance, offering businesses and individuals a wide variety of coverages and broad acceptability of vehicles and drivers. We understand the importance of reliable commercial auto insurance to protect your commercial auto. Whether you need insurance for a fleet of company cars, a simple delivery van, tow truck insurance or a tractor trailer policy we make sure your company assets are adequately covered at a competitive rate.

BOP Insurance

A Business Owners Policy, known as BOP, combines the best of liability coverage with the best business coverage to protect every aspect of your business. A BOP is generally designed to cover the needs of small to medium sized companies and is not suitable for larger businesses. Businesses are exposed to risk on a daily basis. If you own a restaurant, your server could slip and fall in the kitchen. If you own a contracting business, your laborers are exposed to heavy equipment, sharp objects, and towering heights. If you own an IT company, you could accidentally confuse some numbers causing a client to lose money.

Securing your business from the many risks that threaten it is essential. If you would like an analysis of your business’s current insurance coverage or need to secure a BOP policy right away, BlueSky can help. We will find you the best coverage’s available so you can feel secure knowing your business is covered. Contact us right now for a free consultation.

Professional Liability / Errors & Omissions Insurance

It doesn’t take much to instigate a lawsuit or legal claim in today’s society. A missed keystroke, a simple mathematical error, an unintentional omission, often it’s the smallest oversight that can ruin a business. In fact, any perceived failure to deliver on your promise of services to a client can be potentially disastrous. From engineers to wedding planners to doctors and more failure to protect your business with errors & omission liability is a serious oversight. BlueSky can help you identify a policy that fits your needs. For more information we encourage you to call and speak to one of our experienced agents as soon as possible.

Convenience Store Insurance

Whether you own a gas station, convenience store, or your customers depend on your store for products and capability, your business prides itself on being reliable. So don’t let an unfortunate event cut into your margins or close your company. If a utility disruption closes you down for a week, could you still make payroll? We can help you is design a policy to cover the risks to your business that arise during the course of everyday operations.

Here is an example of coverage available for your convenience store:

  • Equipment breakdown and spoilage
  • Liquor liability
  • Business interruption and much more
  • Our experts will work closely with you to determine the exact convenience store insurance protections you need.

Restaurant Insurance

When it comes to the restaurant business, the customer is always right. Your entire business is geared towards providing your customers with the best, most satisfying, dining experience possible. This means sometimes having to go above and beyond the call of duty.

At BlueSky, we’re constantly going above and beyond the call of duty by providing our clients with the most competitive and comprehensive Restaurant Insurance solutions possible. In addition to the standard business insurance coverage, we can customize a policy to include:

  • Liquor Liability
  • Workers Compensation
  • Food Spoilage
  • Umbrella Liability
  • And much more!

Moreover, we offer specialized coverage solutions for specific kinds of restaurants, including:

  • Fast Food Franchises
  • Fine Dining Restaurants
  • Casual Dining
  • Catering Services
  • Bars & Grills

Of course, the best way to make an informed decision about your coverage is to talk to one of our commercial insurance experts. Let us put our years of experience to work for you.

Bonds

BlueSky is pleased to offer our clientele and prospective clientele a full range of bonds and insurance products. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. Our Insurance Bonds range from construction companies to office businesses. We have over 100 classifications for different types of bonds we can insure. Give one of our experienced agents a call today.