Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum

Insurance Considerations for New Businesses in Colonial Heights Virginia

Small business person working on craft

Insurance Considerations for New Businesses in Colonial Heights Virginia

Starting a new business in Colonial Heights, Virginia, is an exciting endeavor that requires careful planning and preparation. Among the crucial steps for setting up a successful business, securing the right insurance coverage is paramount. Insurance not only protects your business from unforeseen risks but also provides you with the peace of mind to focus on growth and innovation. In this article, we’ll delve into the key insurance considerations that new businesses in Colonial Heights should keep in mind to ensure their long-term success.

  1. Understand Your Industry’s Risks

Before you begin shopping for insurance, it’s essential to understand the unique risks associated with your industry. Different types of businesses face varying degrees of risk, whether it’s property damage, liability claims, or professional errors. For instance, a restaurant would have different insurance needs compared to a technology startup. Identifying and prioritizing your specific risks will help you tailor your insurance coverage accordingly.

  1. General Liability Insurance

General liability insurance is a foundational coverage for any business. It provides protection against third-party bodily injury, property damage, and personal injury claims that may arise from your business operations. Whether you have a physical storefront or operate solely online, general liability insurance safeguards your business from potential legal and financial repercussions.

  1. Property Insurance

Property insurance is crucial if your business owns or leases a physical location, equipment, inventory, or other assets. It covers the cost of repairing or replacing damaged property due to covered perils, such as fire, theft, vandalism, or natural disasters. Having property insurance ensures that your business can recover quickly in the event of unforeseen damage.

  1. Business Interruption Insurance

Business interruption insurance is designed to help your business weather the storm during unexpected disruptions. Whether it’s due to a fire, flood, or other covered event, business interruption insurance provides coverage for lost income, ongoing expenses, and the costs associated with relocating or operating from a temporary location.

  1. Workers’ Compensation Insurance

If you have employees, workers’ compensation insurance is mandatory in Virginia. It provides medical treatment, wage replacement, and rehabilitation for employees who are injured or become ill on the job. Workers’ compensation not only helps employees receive the care they need but also protects your business from potential lawsuits related to workplace injuries.

  1. Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance, is essential for service-based businesses. It covers legal expenses and damages in the event that your business is sued for professional errors, negligence, or inadequate advice. This type of coverage is particularly relevant for consultants, advisors, and professionals in various industries.

  1. Commercial Auto Insurance

If your business involves the use of vehicles, even if it’s for occasional deliveries or meetings, commercial auto insurance is a must. It provides coverage for accidents, injuries, and property damage involving company vehicles. Commercial auto insurance ensures that your business is protected on the road and can cover potential liabilities arising from accidents.

  1. Cyber Liability Insurance

In today’s digital age, cyber threats are a real concern for businesses of all sizes. Cyber liability insurance helps protect your business from the financial consequences of data breaches, hacking, and other cyber incidents. This coverage can help cover costs associated with data breach notification, legal fees, and reputation management.

  1. Umbrella Insurance

Umbrella insurance serves as an additional layer of liability protection beyond the limits of your primary insurance policies. It offers extended coverage for liability claims that exceed the limits of your underlying policies. Umbrella insurance can provide added security and peace of mind, especially for businesses with higher liability risks.

Starting a new business in Colonial Heights, Virginia, is an exciting journey filled with potential. However, it’s crucial to navigate the risks associated with entrepreneurship by securing the right insurance coverage. General liability, property insurance, business interruption insurance, workers’ compensation, professional liability, commercial auto insurance, cyber liability insurance, and umbrella insurance are among the key considerations for new businesses.

By partnering with a Harrison Insurance agency, you can tailor your insurance coverage to match your business’s specific needs and risk profile. With the right insurance policies in place, your new business can thrive, adapt to challenges, and seize opportunities for growth while enjoying the security and protection that insurance provides.