The Business Benefits Group’s Business Insurance Division offers the best in advice and service, ensuring your organization comes prepared with the proper coverage for any situation that can pop up. Guarding your resources and giving the best risk-management fixes stand at the center of all the services we provide. As a standalone organization, we can provide you with everything insurance-related, such as renewals, implementation and claims. We are your one-stop shop when you need a Sterling, VA Insurance Broker
Sterling, VA Insurance Broker
When we combine your HR, Retirement and Benefits needs with our Business Insurance Division, we heighten your security and protection with our one-source approach. Our job is to keep you safe from those threats that, when unchecked, could lead to the failure of your business. We have developed a wide range of professional-insurance solutions that can meet any needs your organization may have. Knowing that you are covered for any problem that may arise in the future is key to giving you complete peace of mind.
Who Needs Business Insurance?
Prior to understanding exactly what insurance needs you may have, you will need to examine your risks completely, both now and in the future. Some fields have risks and dangers that are immediately apparent; others may require a bit of digging to uncover.
An established business may need to reassess their existing coverage, to take in factors that may arise as the company expands. It is normal for a company to reexamine new or existing needs as they grow. Doing so is an excellent way to locate helpful savings, as well as ensure expansion is done with as few growing pains as possible.
If you are a business owner just starting your exploration of business-insurance options, following are some of the most important questions to ask to achieve the best strategy:
What are the actual needs of the business?
- How is service provided to customers?
- How large is your staff?
- Is heavy machinery or driving part of any employee’s activities?
- Do employees handle any harmful or hazardous materials?
- What will you need to keep your business property safe?
- What will you need to keep your equipment safe and compliant?
- Are all company assets protected?
- What is your approach to cybersecurity and intellectual property?
- Are your company’s managers at risk in any way?
BBG’s Business Insurance Services and Solutions
Each company is unique and has its own needs and wants. However, no matter how big, or in which industry a company is, objectives such as saving money, reducing risk and accomplishing things faster are always primary goals. The consummate insurance professionals here at Business Benefits Group, or BBG, are adept at analyzing risks from every possible angle, which paves the way for business owners to reach these goals easily. Services offered by our full business insurance service include:
- Commercial Auto Insurance
- DBA Insurance
- Directors and Officers
- Errors and Omissions
- General Liability
- Malpractice Coverage
- Property Coverage
- Request a Certificate of Insurance
- Umbrella Liability Insurance
Commercial Auto Insurance
Our resources include a wide variety of carriers, which allows us to compare different carriers to find the perfect one for you. Our team can easily navigate the process of finding the perfect policy, so you and your employees do not have to.
The Defense Base Act, or DBA, requires any government contractors working on contracts internationally to acquire insurance coverage for their employees. Failing to acquire this coverage can result in stiff penalties, such as loss of contract, imprisonment, fines or lawsuits stemming from damage that resulted in injury or death.
Our professionals have a plethora of experience dealing with government contractors, which allows us to give you expert guidance when dealing with the various requirements mandated by the U.S. Department of Labor, or DOL. We also provide assistance to overseas contractors working on assignments given by the Department of Defense, or DOD, exclusively. If you would like additional information on our DBA coverage, we urge you to check out the informational page dealing with DBA Insurance.
Directors and Officers
Coverage for both executives, and the companies they run, dealing with claims stemming from imagined or real mistakes by an individual company executive is provided by our Directors and Officers, or D&O, insurance. Given how the number of claims in this area has risen, it is becoming more and more common for companies to acquire D&O insurance.
As a matter of fact, so many business have come to understand just how important this coverage is that it is fast becoming a standard part of the insurance-acquisition process. D&O coverage brings the needed protection to each individual in your company, in case something unfortunate actually happens. For more information, please check out our individual pages dedicated to Directors and Officers insurance.
Errors and Omissions
While every business strives to perform completely mistake free, costly human errors are bound to pop up from time to time. Scenarios where these mistakes result in a defective product being delivered to a customer can leave a business wide open to potential liability.
As such, company owners need to safeguard both them and their organizations from the penalties and monetary compensation that could be a result of these mistakes or omissions. Our expert business-insurance consultants work with you to figure out which coverage perfectly fits their unique needs. More information regarding these services can be found on our page dealing with Errors and Omissions.
General Liability, or GL, is the branch of business insurance that deals with protection for assets from everyday exposure to liability, above and beyond professional and automobile liability. GL insurance is instrumental for the peace of mind that comes only from knowing that the proper steps have been taken to protect your business from a wide range of liability possibilities. The experts at BBG understand the best ways to identify these risks, allowing them to acquire the needed insurance coverage to alleviate them. Our goal is to relieve the anxiety our clients feel in this area, all while saving time and valuable resources. If you would like more information, please check out our General Liability insurance page.
Working in the medical field is equal parts demanding and rewarding. Numerous types of claims stemming from alleged malpractice can leave many medical professionals exposed to costly monetary judgments. The experts at BBG can assist medical professionals in determining the best coverage for themselves, their assets and the practice as a whole, in case a patient pursues a malpractice claim. For more information on Malpractice Coverage, please visit its respective page.
There are many types of disasters, such as flood, fire or theft, that can wreak havoc on your business’ ability to function. While predicting the future is impossible, our experienced insurance consultants can help you acquire the best property coverage, vital in avoiding costly losses and devastating setbacks. Please visit our dedicated Property Coverage page for additional information.
Umbrella Liability Insurance
Umbrella Liability insurance is geared specifically towards protecting policyholders from any claim that exceeds the capabilities of their primary general liability, worker’s compensation, and auto coverage. While this type of coverage usually has a minimum amount, it can be widened if your company’s risk increases. For more information, please visit our Umbrella Liability Insurance page.
Request a Certificate of Insurance
If a certificate holder requires proof of insurance, a certificate of insurance is the answer. If you want additional information on how to get a certificate of insurance, give us a call and we will handle everything else.
One of the most important considerations for any business is proper satisfaction of worker compensation requirements. Given how easy it is for an unsatisfactory outcome to rear its ugly head, we will make sure you understand any applicable regulations completely, as they apply to you specifically. Our goal is to assist you in finding the most cost-effective rate for your appropriate amount of coverage. Please visit our Workers Compensation page for more information.
Benefits of Our Business Insurance Services
The whole purpose behind the existence of any company is to provide a worthwhile product or service, all while maximizing company profits. Our dedicated team understands this, and will work closely with you to achieve this goal. Keeping your company under-insured, or failing to meet requirements set forth by the government, can easily force your business into a difficult position from rampant claims. BBG’s expert Business Insurance sector is rife with the knowledge and experience needed to ensure you possess the height in risk management strategies and the most appropriate insurance coverage. Doing so minimizes dangerous risk and promotes organizational security.
Protect Your Business
Our absolute mandate is protecting your business, a fact that has resulted in our longstanding clients trusting us with their various needs. Once we analyze your unique company, we will be fully equipped to advise you on which coverage you need,which is instrumental in alleviating the pressure that can grow out of unwanted circumstances or actions. Contact BBG online for more information.