Business Details
Your Trusted Business Insurance Partner in Richmond, VA
We are a dedicated online insurance agency specializing in providing tailored coverage solutions for self-employed professionals and small businesses. With over 30 years of combined industry experience, our team of experts works tirelessly to compare quotes from top national insurers, ensuring clients receive the most competitive rates without compromising on coverage quality. Our streamlined digital platform allows for seamless policy management, from initial quote to online binding, while our personalized approach guarantees direct access to knowledgeable representatives who prioritize client needs.We focus exclusively on the unique risks faced by independent contractors, freelancers, and small business owners, offering customized plans that adapt to evolving professional requirements. Our commitment to transparency is reflected in our commission-based model, which delivers free service to clients without hidden fees or obligations. By combining traditional insurance expertise with modern technological efficiency, we empower clients to protect their livelihoods with confidence and ease.
Services
General Liability Insurance
Professional Liability Insurance
Workers Compensation Insurance
Business Auto Insurance
Business Property Insurance
Cyber Liability Insurance
Umbrella Insurance
Inland Marine Insurance
Highlights and features
- 30+ years of industry expertise
- Personalized quotes from top insurers
- Effortless online policy management
- Transparent pricing with no hidden fees
- Dedicated support for self-employed professionals
Services
General Liability Insurance
Protects businesses from third-party claims of property damage, bodily injury, and advertising injury. Covers legal fees, medical expenses, and settlement costs arising from common business risks. Essential for contractors, consultants, and service providers facing client site exposures.
Professional Liability Insurance
Covers claims of negligence, mistakes, or failure to deliver promised services. Protects against financial losses from client lawsuits related to professional advice or work quality. Crucial for consultants, designers, and technical professionals.
Workers Compensation Insurance
Provides wage replacement and medical benefits for work-related injuries or illnesses. Required for businesses with employees, covering lost wages, treatment costs, and legal defense. Helps maintain workplace safety compliance.
Business Property Insurance
Covers physical assets like equipment, inventory, and office spaces against fire, theft, or natural disasters. Includes business interruption coverage for income loss during recovery periods. Essential for home-based and commercial operations.
Cyber Liability Insurance
Protects against data breaches, cyber attacks, and digital privacy violations. Covers notification costs, legal fees, and regulatory fines related to sensitive information exposure. Vital for businesses handling client data or online transactions.
Questions
How do I get a business insurance quote?
Complete our online form with business details and coverage needs. We'll compare options from 30+ insurers and provide personalized recommendations within minutes.
What insurance types are essential for freelancers?
Freelancers typically need general liability for client site risks, professional liability for service-related claims, and cyber liability for data protection.
How are insurance costs determined?
Premiums depend on industry risk level, business size, coverage limits, and claims history. Our comparison process identifies the most cost-effective options for your specific profile.
Is business insurance tax deductible?
Yes, premiums for business-required insurance are generally tax-deductible as ordinary business expenses under IRS guidelines.
Can I get coverage for home-based business operations?
We offer specialized policies that extend protection to home offices, equipment, and business activities conducted from residential locations.
Reviews (6)
Aliyu Adamu
Oct 14, 2021
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Looking for the best FOREX & STOCK Account Manager? Then I've brought you to all good news that Sherry Sherry is the Best FOREX, STOCK, BINARY OPTION & IQ OPTION online Trader, who can turn $500 into $6,500 in just 4days.... Ever since she started trading for me, I have never had any reason to regret my knowing her... contact her now email: Murphysherry303@gmail.com WhatsApp :+ 13618573869
Corey Ahern
Oct 22, 2019
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Tom and Katherine are on top of their game. Most of what I need from them gets done same-day! Highly recommend!
Melissa Chester
Oct 21, 2019
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When we were in a pinch, POGO hit it perfectly. Denise has been a God-send to us--answering every dumb and not so dumb question, sending information out to us--whatever we needed, if she could do it, she has done it. Thank you so very much for everything!!
Alfredo Cueto
Sep 06, 2019
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Rebecca worked with us since our business was just a rough plan. Every step of the way she assisted me with what we requested and made things very simple for us to understand. All of our insurance needs including general insurance, vehicle insurance, Workmens Comp. and liability all ran through Pogo. Pogos communication was top notch and I would recommend them to anyone.
Scott Miller
Sep 05, 2019
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I had the pleasure working with Tom Perez in securing workers comp for our business. He had everything done in a couple days through email. Thank you again I appreciate everything. Donna Miller
Xander Cassatt
Jul 03, 2019
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These guys absolutely rock. Tom Perez acted as my representative. He provided next-level support in securing my newborn company's first-ever business insurance coverage; both GL & WC. He was extremely professional throughout the whole process, which lasted nearly six months in total (due to a few rocky financial stretches while my business was first starting out).
Tom handled himself like I wish every sales rep would: informative, helpful, but most importantly, he wasn't pushy at any point during the process. Next time I'm in need, I'll be coming back to these guys. They simply know what they
Tom handled himself like I wish every sales rep would: informative, helpful, but most importantly, he wasn't pushy at any point during the process. Next time I'm in need, I'll be coming back to these guys. They simply know what they
