Get the business insurance you need.
BlueSky Insurance Agency has been providing businesses throughout Virginia with comprehensive commercial lines insurance solutions since 1992. Whether you’re a start-up, a small, local retailer, mid-sized firm or large corporation with multiple locations, the BlueSky team has the expertise and experience to secure the coverages your business requires to protect its assets, property, people and clients.
Buying business insurance is a complicated process and you want to make sure you have an insurance team who will take the time to ensure that you have all of the policies your business needs to operate smoothly. BlueSky will identify the required coverages and suggest affordable, comprehensive business insurance solutions. A business is a huge investment; let us help you protect your hard work.
At BlueSky, our professionals will meet with you, get to know your operation, the exposures you face and address them with responsive insurance products so that you can focus on your success. Our products include the following:
BlueSky offers our clientele and prospective clientele a full range of bonds, including Bid, Performance, and Payment bonds for contractors, and License and Notary bonds for office businesses. We have more than 100 classifications for different types of bonds we can insure.
We provide coverage to protect your building if you own it as well as insurance on your business personal property, including your office furnishings and equipment. We will also assess your needs to determine how much business income insurance you should have in the event you have to close for repairs or rebuilding due to a covered loss, such as a fire.
General liability insurance protects your business for issues arising from premises liability (slips and falls), completed operations, personal and advertising injury. Your policy will cover attorney fees, court costs and other expenses associated with a liability claim as well as the judgment or settlement up to the policy limit. 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 at affordable pricing.
Ransomware, data breaches, cyber extortion and similar events are commonplace today for all types of businesses. In the event any one of these incidents occurs, without the right coverage organizations would be on the hook for the costs involved, including forensic analysis to determine how a breach occurred, data cleanup, legal expenses and third-party liability, notification costs, regulatory fines, business interruption and more. Cyber insurance helps mitigate those costs with coverage tailored to the business and the industry in which it operates. It’s important to note that cyber liability risks are not covered under a general liability policy. Additionally, cyber insurance varies greatly from one insurer to another so it’s important to work with experienced insurance professionals like the BlueSky team.
Today’s landscape for directors, officers and other executives is fraught with risk that can turn costly without directors & officers (D&O) insurance in place. Whether you own a public company or private firm or run a nonprofit, D&O coverage will step in to provide defense and liability coverage in the event of a lawsuit alleging mismanagement or breach of fiduciary responsibility.
The #metoo movement has brought to the forefront the all-too familiar risk employers face regarding allegations of harassment. In addition, lawsuits claiming discrimination, wrongful termination and other allegations of employment practices put the spotlight on HR, the benefit of having strong workplace best practices in place, and the need for employment practices liability insurance (EPLI). BlueSky can provide your firm with an EPLI policy to protect against allegations of discrimination (age, gender, race, disability), sexual harassment, wrongful hiring practices, wrongful termination and other claims. EPLI will pay your defense fees and covers your liability settlement or judgment up to the policy limit.
It doesn’t take much to instigate a lawsuit or legal claim in today’s litigation-happy society, particularly for those who provide professional services. An unintentional omission, an error, or other oversight can cost your firm if you don’t have the right coverage. BlueSky provides errors and omissions (also known as professional liability) insurance to a broad range of professionals –from engineers to architects, attorneys and physicians to tech consultants and wedding planners – to protect against claims alleging negligence or errors in the course of performing one’s services. E&O insurance provides coverage for defense costs as well as for settlements and judgments up to the policy limit. Remember, a claim doesn’t have to any merit to be filed and the defense fees can be significant enough to upend a business without E&O insurance.
BlueSky can provide you with group life insurance plans that allow you as the employer to buy a master policy and then issue certificates of participation in the plan. Although each employee is underwritten as part of the employer’s group and no one is denied based on a medical condition, an employee typically has the right to keep their coverage and convert it to an individual policy when they leave the employer (with some restrictions). A group term life policy is often the most affordable option for employers. It provides a large amount of insurance for a set period in a worker’s life. It usually is designed to provide benefits for dependents in the event of the insured’s premature death. A whole life insurance policy is more expensive, but it lasts longer and builds cash value over the course of its existence – value that the employee can borrow against or use in other ways.
With higher costs, employers are looking to manage their expenses while at the same time employees want to be able to control more of their own benefits decisions. There is higher demand for customization and more options for employers who want to offer more choices to employees. This is where the employee benefits experts at BlueSky come in. We can provide you with a portfolio of customized group insurance products – from health insurance to dental, disability, life, retirement benefits, long-term care, voluntary benefits and more. We start with a plan and turn that plan into a workable solution for you and your employees.
Mandatory in Virginia, workers compensation insurance covers employees injured on the job as well as work-related illnesses. Coverage includes 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. Our carrier partners provide return-to-work programs, case management services, safety programs, and other risk management strategies to help minimize and prevent workplace accidents and keep premiums in line.
If you organize or hold business events, there’s a lot of planning that goes into them. Be sure that part of your planning involves securing special events insurance to protect against bodily injury and property damage claims. We can help you get affordable coverage at BlueSky.
You depend on your tools and equipment to get your work done. If they’re damaged or stolen, you’re out of work, especially if you’re a contractor or business owner who often takes your tools and equipment on job sites. Insurance for your tools and equipment is available to protect your valuable assets and get you back on track. BlueSky is available to help you get the right coverage for your tools and equipment.
You’re covered for your business auto liability, general liability, personal injury liability—and other liability risks. What is there to worry about? Just take a look at the headlines and you’ll see liability judgments against businesses have skyrocketed and are occurring more frequently. If your business were hit by a big claim or a single occurrence that injured multiple people, you need to have enough in liability limits to cover your legal bills and any settlements or judgments for which you were held responsible. BlueSky can enhance the liability coverage you have on your underlying policies (commercial auto, general liability) with additional limits under commercial umbrella insurance that kicks in once the primary limits are exhausted.