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Business Owner's Policy
Virginia Barristers Alliance Inc. logo

This is an insurance policy for small and medium-sized businesses that combines several business-related risks into one policy.

The policy covers the business property, the building (if the business owns the building), crime, business interruption (lost income) and general liability.

Many Optional Coverages Can Be Added

They include:

  • non-owned autos used by the business,
  • tenant legal liability,
  • computer and data coverage,
  • equipment breakdown
  • and similar protections

Why It's Important

The policy can pay the repair/replacement costs for physical damage. It can provide continued cash flow if the business must close temporarily, which can help a business get back on its feet after a loss.

The general liability protects the insured from claims from clients, vendors and others who have suffered an injury or damage to property and allege that the business owners were negligent and liable for their loss.

The policy will pay legal defense costs, settlements and/or verdicts up to the policy limit.

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