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Home > Business Insurance - Alexandria & Annandale, VA

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.

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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.

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Business & Commercial Insurance Information

Business Insurance

For Companies In Annandale, Alexandria, Woodbridge And Surrounding Areas In Virginia

Every business needs protection, especially in the early years of operation. Most businesses struggle to get off the ground in their first five years, and the biggest issue cited is a lack of funds. While business insurance may seem like an expensive accessory, it's actually a necessity that can save you money in the long run. A bad lawsuit can ruin a business, as can a natural disaster that sweeps away the operations with no way to replace or repair them.

Burke & Burke Insurance Agency provides fantastic customer service and competitive prices on business insurance for businessowners across Virginia. Give us a call at (703) 751-1001 or get in touch online for a free quote today!

Coverage Options

  • Commercial Auto Insurance
  • General Liability Insurance
  • Workers Compensation Insurance

Common Business Insurance Questions

What Insurance Do You Need For A Small Business?

No matter the size of your business, you need insurance to cover your assets. Common coverages include liability, property and equipment insurance policies. The agents at Burke & Burke Insurance Agency are determined to help you find the coverages your business needs.

How Much is Small Business Insurance?

The price of small business insurance depends on many factors. This includes the location, size and industry of the business, claims history, credit score of the insured, payroll, type of insurance, amount of coverage and deductible. Bundling coverages is often a good way to save money on business insurance.

A business owner's policy (BOP), for example, is a customizable policy that combines general liability, commercial property and other coverages. The average cost of a BOP is about $1,200 a year.

What Does Business Insurance Cover?

Various types of business insurance policies are designed to protect a business against different risks. The most common business insurance (that may also be required) includes:

  • General Liability Insruance: This covers accidents of bodily injury and property damage that occur on the business property.
  • Commercial Auto Insurance: This insurance provides car insurance for vehicles used or owned by the business. It can also include Hired or Non-Owned Insurance, which covers vehicles rented or borrowed by the business for work purposes.
  • Workers Compensation Insurance: This covers medical expenses and legal fees if an employee is injured on the job.

How Many Employees Do I Need For Small Business Insurance?

The qualification of a "small business" varies depending primarily on the industry. A small business in one industry may reach the maximum at 250 employees while another industry may consider 1,000 employees as a small business.

A good rule of thumb is that, if you employ any workers, you should have insurance.

What Business Insurance Is Required By Law?

Any business with two or more employees must carry workers compensation in Virginia. In Maryland and Washington DC, even having one employee necessitates business insurance. Virginia also requires commercial vehicles to carry a certain amount of commercial auto insurance:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability

These requirements may change depending on the vehicle and cargo. Commercial trucks, for example, have different laws and regulations to follow in Virginia.

How Does Business Insurance Work?

As with other insurance policies, business insurance is purchased through monthly or annual premiums. After a claim is filed, an underwriter from the agency will investigate the claim to discern how much compensation the business will receive.

How Often Do You Pay Business Insurance?

Business insurance may be paid through monthly or yearly premiums.

How Much Is Business Insurance A Month

Business insurance prices vary wildly depending on location, industry, size of the business and other factors. In Virginia insurance, general liability insurance costs an average between $40 and $416.66 a month.

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Contact us 4115 Annandale Rd. Ste 300
Annandale VA, 22003

PH: (703) 751-1001
FX: (703) 663-8216
Email: info@burkeandburkeinsurance.com
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