Business Liability Insurance

Even if you take every precaution to remove all possible hazards from your business,  you still could be sued for accidents resulting from the carelessness of any visitor.  That is why Business Liability Insurance is a must.

Yes,  you can protect yourself and your business from financially devastating claims that may occur because of events over which you have minimal control. Business Liability Insurance serves to protect against the unknown risks posed by products, directors & officers, errors & omissions, discrimination and other such liabilities.

Everlife Insurance Agency provides Business Liability Insurance from top-rated insurers to Manufacturers, Wholesale, Retail, Services, Transportation, Construction, Commercial Real Estate, Contractors, Restaurants, Hotels, Apartments, and many other businesses in Virginia.   We have the experience and the necessary resources to analyze and recommend the correct amount of Business Liability Insurance for your small business.

Protecting your Assets and Liabilities

Our exposure analysis identifies your business’ risks and recommends the optimal blend of insurance coverage and risk management. This generally involves a combination of:

• Workers Compensation
• Property Liability
• Business Auto Insurance
• and More

Business Liability Insurance Features

Business liability insurance coverage insures your business in the event of accidents and injury that might occur on your premises and exposures related to your products. It will protect your business from possible huge payments for bodily injury or property damage to a third party and for medical expenses resulting from the underlying incident. It will also absorb the cost of defending lawsuits that may include investigations or settlements, and for any judgments or bonds required during an appeal.

 What You Need to Know About:“EPLI”

Employment practice Liability Insurance can protect you and your business from events that are not covered under most general liabilityinsurance policies such as:

• Discrimination (failure or refusal to hire or any other wrongful treatment of people based on their race, sex, color, religion, sexual orientation, age, disability or other status that is protected by federal, state, or local statute or ordinance);
• Harassment (of either a sexual or non-sexual nature); and
• Wrongful Termination (any actual or alleged wrongful dismissal, discharge or termination of employment, including breach of contract).

Your reaction to bad behavior may be completely justified; it may even be a smart business decision that would appear to be beyond reproach.  But, if you’re challenged, and you have to go to court to defend yourself, you’re on your own unless you have Employment Practices Liability Insurance.  And the cost of defending these claims can be HUGE! In Fact In Most Cases The Cost Of Defense Is The Greatest Cost!

What Should You Do Next?

Regardless of whether you’re a small contractor, large employer or a small business owner, Everlife Insurance Agency can provide  liability insurance coverage for your business at an affordable cost.

Why Everlife?

As an independent agency, we work for you! We are not like most insurance agencies, where they can only offer you one brand of insurance. At Everlife Insurance Agency we are not bound to any one company, we shop our top-rated carriers and choose the best plan that is tailored to your needs, that gives you the very best value. We take the time to understand every client’s needs and work hard to provide the best insurance solutions for the best value.

Our agency combines many years of experience with top-rated insurance companies and products to provide personalized service and value to each of our clients. We provide you access to every type of insurance that you may need. Everlife Insurance Agency is your neighborhood agency that will help you understand the many options and select products that are tailored to your needs. We want to make sure that we don’t leave you underinsured.

Our Promise to You

• We are dedicated to making sure you receive extraordinary customer service.
• We will treat you like a person, not a number.
• Whenever you need us, we are there. We give our clients our personal cell phone numbers to reach us when you need us most.
• We are committed to continuing education through certifications and training courses so that we can expand our knowledge and network across the state of Virginia.

Our Core Principles

• Dedication – We are dedicated to educating you about the insurance coverage options that you can choose the option that best fits your needs.
• Integrity – We are very transparent. We want to make sure that you understand the many options and coverages that are available to you.
• Value – We choose the very best quality coverage tailored to fit your needs.
• Inquiry – We pride ourselves on asking great questions and the more information we collect from you, the better advice and service we can give to you. 

Everlife Insurance Agency is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Business Liability Insurance you need.

Insurance for Different Business Types

On the right sidebar of this page, we have include links to a number of business insurance resources.  Click on any of the different business types to learn more about the insurance coverages for that type of business. Please call one of our commercial insurance agents at Everlife Insurance Agency for any assistance.

About Carina Thomas

Carina Thomas is a native of Nottoway, Virginia. She hard working business women who passionately gives back and serves the local community. She is the President/CEO of Everlife Insurance Agency Inc. Carina has been helping and assisting families in the insurance and financial industry for the last 10 years. She has her Bachelors in Business Administration and Accounting. She was top 3 at Florida Blue for her health sales and customer service expertise. Her passion is to help further others to their full potential through Insurance and Financial Services.