Commercial Insurance for your business can be a challenge as no two businesses are ever alike.  At V.F. McNeil Insurance our Commercial Lines specialists will tailor a policy to fit your business's needs and circumstances.  We will work diligently with you to be sure that your business is properly insured to avoid any unnecessary risk or exposures.  You can also have extra peace of mind knowing that our close and long term relationship with some of the finest, specialty carriers in the country will provide you with the best coverage and pricing options available.

COMMON QUESTIONS:

I’m just getting my business started. Do I need insurance immediately?

Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss and have no insurance or have improper or insufficient coverage, your insurance agent can do little, if anything, to help you.

Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.

I don’t have any major business assets. Why do I need insurance?

Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.

Does insurance coverage vary for different businesses?

It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).

Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy.

We can advise you of the best policy (or policies) to protect you and your business.

We offer the following Commercial Insurance products:

• Property
• Liability
• Workers Compensation
• Automotive
• Crime
• Glass
• Garage Keepers
• Liquor Liability
• Professional Liability
• Tools & Equipment
• Motor Cargo
• Builders Risk
• Bonds