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Business & Commercial Insurance

Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Business & Commercial Insurance Information

Total Insurance Planning offers Commercial insurance products to a broad array of businesses. From technology companies, breweries, retail stores, to restaurants, contractors and everything in between, call us for competitive quotes for all of your business and commercial insurance needs. We offer General Liability, Property, Business Auto, Worker’s Compensation, Professional Liability, Umbrella Policies and much much more!

The business insurance marketplace has been experiencing significant changes as losses and claims have increased over the past 5 years.  If you own a business here in Midlothian, VA or anywhere in Chesterfield County, VA,  Henrico and Hanover counties in VA or anywhere in the Richmond VA area, and haven't had a review of your insurance policy, you owe it to yourself to get it checked.  If not Total Insurance Planning LLC, check with your local independent agent.  Some important coverage options to check on:

Business Income: Off Premises Power Outage: Example – A storm knocksout power for 3 days and you average $3,000 per day in net income and are without that income for all three days.  A good agent will make sure you have this coverage to offset your net income loss for those days.

Data Breach Coverage: If your business is retail or wholesale, or you process credit cards, or store information of your customers you are vulnerable.  The growth of online hackers as well as credit card hacking is growing exponentially across the greater Richmond Virginia area and around the entire country.  There are now insurance companies offering this coverage on their customer's Business Insurance Policy (or BOP for short).

Employment Practices Liability Insurance: (or EPLI for short) is one of the fastest growing litigation issues in the country.  There are thousands of cases where employers are being sued by current and former employees over their hiring and firing decisions.  Often times the claims are groundless but the act of defending yourself in court can be costly.  Every business should carefully consider EPLI coverage.

If you have a business insurance need in Midlothian, Virginia or anywhere in the Richmond, Virginia area, please give Total Insurance Planning a call.  We can help by giving you options for your business insurance needs.

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