Business Insurance
Protect Your Business with Luis Carmona Insurance Agency
At Luis Carmona Insurance Agency Insurance, we understand that your business is your livelihood. That's why we offer comprehensive business insurance policies to protect your company from unexpected events. Our policies cover everything from property damage to liability claims, and we work with you to customize your coverage to meet your unique needs. Our team of experienced agents is dedicated to providing exceptional customer service and working with you to find the best possible policy for your business.
Questions about Business Insurance
- As a business owner, am I required to carry Workers’ Comp?
In Virginia, if you have more than two employees, you need Workers’ Compensation Insurance — whether they are part-time or full-time, doesn’t matter. Once you hit three, it is required by the state. However, it is always in your best interest to carry Workers’ Compensation coverage at all times.
- My rate is going up and I didn’t have any claims, why?
Rates are comprised of more than just your individual history, they take into account the claims in your zip code, your state for your type of business & by your carriers losses that may have taken.
- Why is Commercial Auto slightly higher than personal car insurance?
Companies take into account that you will have different drivers for the commercial vehicle as well as a different exposure due to the possible size of your vehicle you are using & may be on the road more commonly on commercial use side.
