Virginia Business Insurance

There are two types of Virginia business insurance policies.  The Virginia Business Owners Policy or BOP and the Virginia Commercial Package Policy or CPP.  These two types of policies are explained below.

Virginia Commercial Insurance for Different Business Types

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

The Virginia Business Owners Insurance Policy

This policy is intended for main street businesses and combines building, personal property, and liability insurance coverage with other attractive options into one package.   The BOP is an efficient way to provide the Virginia commercial insurance coverages that most small businesses need.

Are You Eligible for a BOP?

The two keys to BOP eligibility are type of business and square footage. General examples:

• apartment buildings
• office buildings
• buildings used primarily for mercantile, service or processing purposes
• wholesalers
• contractors
• mixed use, e.g., stores in an apartment building.

Square footage guidelines can relate to overall building space or a business’s rental space. Generally, the cutoff for BOP eligibility is 25,000 square feet; however, this varies between Virginia business insurance companies.  We will determine if a business is eligible for a BOP and if the BOP option is the best value.

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