Business Insurance That Protects What You’ve Built
We help businesses of all sizes find the right insurance protection to manage risk, stay compliant, and keep operations running smoothly.
Serving VA, MD & DC
Trusted by our clients
Coverage that fits you
100% confidential
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Risk Protection
Shield your business from unexpected events.
Flexible Policies
Coverage that grows with your business.
Fast Guidance
Quick, clear answers to your questions.
Trusted Support
We’re here when you need us most—before and after you buy.
Coverage Solutions for Your Business
Comprehensive protection for the risks your business faces every day.
Protects your business from third-party claims of bodily injury, property damage, and personal injury.
Covers your building, equipment, inventory, and other property against loss or damage.
Provides wage replacement and medical benefits for employees injured on the job.
Protects your business from claims of errors, omissions, or negligence in the services you provide.
Bundles general liability and property coverage in one cost-effective policy built for small businesses.
Covers vehicles used for business—including liability, collision, and comprehensive protection.
General Liability Insurance
Protection against common third-party business claims.
General liability insurance helps protect your business from certain claims involving bodily injury, property damage, and personal or advertising injury. It can also help with eligible legal defense costs, settlements, or judgments, subject to the policy terms and coverage limits.
General liability insurance may help protect your business if:
- A customer is injured at your business location
- Your business damages someone else’s property
- A third party files a covered personal injury claim
- You face certain advertising injury allegations
- You need help with eligible legal defense costs
You choose coverage limits based on your business risks and needs. If a covered third-party claim occurs, the insurer may help pay eligible defense costs, settlements, or damages up to the policy limits and according to the policy terms.
Best for
Most businesses that interact with customers, clients, vendors, or the public and want protection against common liability risks.
Commercial Property Insurance
Protection for the physical assets your business depends on.
Commercial property insurance helps protect your business property from certain covered causes of loss. Depending on the policy, coverage may apply to buildings, equipment, inventory, furniture, and other business-owned property.
Commercial property insurance may help protect:
- Buildings your business owns
- Business equipment and machinery
- Furniture, fixtures, and supplies
- Inventory and stock
- Certain other business-owned property
You select coverage based on the value and type of property your business owns or uses. If covered property is damaged or lost due to an insured event, the policy may help pay eligible repair or replacement costs according to the policy terms, limits, and deductibles.
Best for
Businesses that own or rely on physical locations, equipment, inventory, or other property that would be costly to repair or replace.
Workers’ Compensation Insurance
Protection for employees injured or made ill because of work.
Workers’ compensation insurance can help provide benefits to employees who suffer a covered work-related injury or illness. Depending on the policy and applicable state law, benefits may include medical care, partial wage replacement, rehabilitation, and certain other eligible costs.
Workers’ compensation may help if an employee:
- Is injured while performing job duties
- Develops a covered work-related illness
- Needs medical treatment after a workplace injury
- Cannot work temporarily because of a covered injury
- Requires rehabilitation or return-to-work support
If a covered workplace injury or illness occurs, the employee reports the incident and a claim is submitted. Eligible benefits, limits, employer responsibilities, and coverage requirements depend on the policy and applicable state law.
Best for
Businesses with employees that need protection against the financial impact of covered workplace injuries and illnesses. Workers’ compensation requirements vary by state.
Professional Liability Insurance
Protection against claims related to professional services or advice.
Professional liability insurance, sometimes called errors and omissions insurance, can help protect your business from certain claims alleging mistakes, negligence, misrepresentation, or failure to deliver professional services as expected. Coverage may also help with eligible legal defense costs, settlements, or judgments, subject to policy terms.
Professional liability insurance may help protect your business if:
- A client claims your professional advice caused a financial loss
- You are accused of making an error or omission
- A client alleges negligence in your professional services
- You face a claim related to missed deadlines or unmet expectations
- You need help with eligible legal defense costs
You select coverage based on the services your business provides and the risks associated with your profession. If a covered claim is made, the insurer may help pay eligible defense costs, settlements, or damages according to the policy limits and terms.
Best for
Consultants, accountants, technology providers, agencies, contractors, and other businesses that provide professional advice, services, or expertise to clients.
Business Owner’s Policy (BOP)
Essential business coverages combined in one convenient policy.
A Business Owner’s Policy, commonly called a BOP, combines several common business insurance coverages into one policy. It typically includes general liability and commercial property coverage, with additional options available depending on the insurer and business type.
A Business Owner’s Policy may be a good fit if you want to:
- Combine liability and property protection in one policy
- Simplify your business insurance coverage
- Protect business property and equipment
- Help cover certain third-party liability claims
- Customize coverage with additional optional protections
You select a BOP based on your business size, industry, property, operations, and coverage needs. The policy combines eligible coverages under one package, subject to policy limits, deductibles, exclusions, and insurer requirements.
Best for
Small and midsize businesses looking for a convenient way to combine core liability and property protections under one policy.
Commercial Auto Insurance
Coverage for vehicles used in your business operations.
Commercial auto insurance helps protect vehicles used for business purposes. Depending on the policy, coverage may include liability, collision, comprehensive, medical-related benefits, and protection for certain drivers and business-owned vehicles.
Commercial auto insurance may help protect your business if you:
- Own vehicles used for business purposes
- Have employees who drive company vehicles
- Transport tools, equipment, or goods
- Need liability protection for business driving
- Want physical damage coverage for eligible business vehicles
You select coverage based on the vehicles your business owns or uses, who drives them, how they are used, and the risks involved. If a covered accident or loss occurs, the policy may help pay eligible claims according to the selected coverages, limits, deductibles, and policy terms.
Best for
Businesses that own, lease, or regularly use vehicles for work, deliveries, transporting equipment, visiting clients, or other commercial activities.
Insurance solutions for businesses across many industries.
Protect your crew, equipment, and job sites.
Coverage for your property, inventory, and liability.
Protect your practice and professional reputation.
Coverage for your operations, staff, and property.
Affordable protection so you can focus on growing your business.
Protection that helps your business thrive.
- Protect your assets, property, and equipment
- Meet client and contract requirements
- Safeguard employees and support your team
- Avoid costly out-of-pocket expenses
- Stay compliant with industry regulations
Every business is unique.
We take the time to understand your risks and goals so we can recommend coverage that fits your needs and your budget.
- Personalized coverage recommendations
- Ongoing support as your business grows
- Local advisors you can count on
A partner you can trust for your business.
Local Expertise
We know the businesses and communities in VA, MD & DC.
Personalized Service
We take the time to understand your business and recommend the right coverage.
Multiple Carrier Options
We compare top-rated carriers to find you the best coverage and value.
Responsive Support
We’re here whenever you need help—before, during, and after the claim.
Frequently Asked Questions
What types of business insurance does Caspi Insurance Agency offer?
Caspi Insurance Agency helps businesses explore coverage options including general liability insurance, commercial property insurance, workers’ compensation insurance, professional liability insurance, Business Owner’s Policies (BOPs), and commercial auto insurance. The right combination depends on your industry, operations, employees, property, vehicles, contracts, and other business risks.
Is workers’ compensation insurance required for businesses in Virginia?
Virginia generally requires an employer that regularly has more than two employees to carry workers’ compensation insurance. Part-time, seasonal, and temporary workers may count, and certain subcontractor arrangements can also affect whether coverage is required. Because requirements depend on how your business is structured and operates, it is important to review your specific situation.
What is the difference between general liability and professional liability insurance?
General liability insurance typically addresses certain third-party claims involving bodily injury, property damage, and personal or advertising injury arising from business operations. Professional liability insurance, also known as errors and omissions insurance in many industries, is designed for certain claims involving mistakes, negligence, or failures in professional services or advice. Some businesses may benefit from carrying both.
What is a Business Owner’s Policy (BOP)?
A Business Owner’s Policy (BOP) combines common business coverages, typically including general liability and commercial property insurance, into one policy. It can be a convenient option for eligible small and midsize businesses, but available coverages, limits, exclusions, and eligibility requirements vary by insurer and business type.
How much business insurance coverage does my company need?
There is no single coverage amount that is right for every business. Your needs may depend on your industry, business size, revenue, payroll, property and equipment values, number of employees, vehicles, customer exposure, contractual requirements, and potential liability risks. Caspi Insurance Agency can help you review your business insurance needs and compare available coverage options.
How can I get a business insurance quote from Caspi Insurance Agency?
You can request a free business insurance quote by providing basic information about your company and the type of coverage you need. Depending on the policy, additional details such as your industry, location, payroll, revenue, employees, property, vehicles, prior coverage, or claims history may be requested. Caspi Insurance Agency can then help you compare available coverage and pricing from multiple carriers.
Need help finding the right business coverage?
Talk with a Caspi Insurance advisor and explore coverage options built around your business.
