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Coverage For Your Business

Protect your investment with the right insurance plan. Old Point Insurance can give you the coverage you need to ensure the security of your business's assets.

The following options are available:


Marine Insurance 

When transporting property, you want that cargo to be covered. Marine coverage provides protection throughout the entire transport. Marine insurance options include, but are not limited to:

  • Property insurance
  • Loss control services
  • General liability
  • Umbrella coverage
Business Owners Policy (BOP) 

A Business Owners Policy includes various coverage options and provides more benefits than a typical Business policy. It allows your business to create a customized insurance policy, combining Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

Commercial Auto Insurance 

In the event of an accident, keep your commercial vehicles insured with a Commercial Auto Insurance policy covering your property, products, and employees. We’ll work with you to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage
Commercial General Liability 

As a business owner, it’s important to safeguard the best interests of your business and keep your employees and property insured from injuries and damages. If your business is sued or held legally responsible in the event of bodily injury or damage, a Commercial General Liability policy can prevent major financial losses. Coverage options include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage
Commercial Property Insurance 

Keep your small-to medium-size business insured with Commercial Property Insurance to protect your building and personal property from minor accidents or a major financial loss. Your policy can cover items such as your building, interior items, outdoor signs, on-site equipment, and inventory.

Commercial Umbrella Insurance 

When a lawsuit exceeds the limits of your current business liability policy, Commercial Umbrella Insurance provides the extra layer of protection your business needs. Lawsuits can be expensive and accidents happen. We will work with the individual needs of your business to find a level of protection that keeps you and your operations secure.

Crime Insurance 

Keep your assets protected in the event of crime and employee dishonesty, which can disrupt your business. Your policy can include coverage for situations such as robbery, computer fraud, theft, and forgery. You don’t want to lose finances or important data due to the dishonest actions of an employee.

Inland Marine Insurance 

Inland Marine Insurance covers items outside of your standard Business Property Insurance policy. It’s important to have this additional coverage to keep your equipment insured off-site, avoiding damages sustained in the event of accidents, theft, vandalism, or total loss. When your business is on the move, we’ll protect items such as:

  • Transported Property
  • Computer Equipment and Data
  • Contractor’s Tools
  • Artwork
  • Buildings Under Construction
Professional Liability 

Should your business be held legally liable in the event of a lawsuit, a Professional Liability policy will keep your day-to-day operations protected as well as the integrity of your company. Adding Professional Liability Insurance will insure the people and/or entities of your business from negligent claims made by third parties, or even internal sources. This policy provides a variety of options, such as:

  • Errors and Omissions Liability (E & O)
  • Directors and Officers Liability (D & O)
  • Fiduciary Liability
  • Employment Practices Liability
Workers Compensation 

In the event of work-related accidents and injuries, protect your business from employee expenses with a Workers Compensation plan. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some cases, death. Workers Compensation can cover financial obligations such as:

  • An injured employee’s medical expenses/treatment
  • The replacement of lost wages from injury time off

Ensure your business is protected from unnecessary risk with a variety of bond and license services. Choosing the right bond to suit your needs can be difficult but we’ll work with you to develop a business solution that will meet all of your bonding goals. We also provide various licensing and permit services to ensure your business runs to the letter of the law. Business solution services include:

  • Performance Bonds
  • Contractor’s Bonds
  • ERISA Bonds
  • Fiduciary Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Surety Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses
Fidelity Bonds 

Safeguard your business from theft and dishonesty due to an employee’s actions with a Fidelity Bond. The right Fidelity Bond can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Any employees or volunteers can also be covered by your business or organization. Fidelity Bond options include:

  • ERISA Bonds
  • Employee Dishonesty Bonds
  • Business Service Bonds
Surety Bonds 

Protect the integrity of your business when an obligee wants to ensure that you’re performing as promised. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.  Our underwriting services are flexible to meet the unique needs of your business.

We take the time to create a policy that is customized to your needs, so that you have the insurance plan that will protect what matters most to you.


Contact us at 757.224.1463 or [email protected] to learn more about our insurance options.