File a Claim          Call (800) 366-3846          Contact
request a quote
File a Claim       Call (800) 366-3846        Contact
request a quote

business insurance

Request a Quote

We make it our business to know your business.

We build insurance programs that suit your business no matter the scale or operation. Our team will help simplify the process and find just the right coverage for your unique situation.

COMMERCIAL
GENERAL LIABILITY

Gain protection from a broad spectrum of claims.

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business owner's package insurance

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worker's compensation

Protect your business
 from on-the-job injuries.
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COMMERCIAL auto/trucking

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commercial umbrella

Enjoy peace of mind with additional liability protection.

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cyber liability

Shield your business
in the event of cyber attacks
and data breaches.

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MANAGEMENT LIABILITY

Guard your company’s assets and shareholders’ investments.

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ADDITIONAL
COVERAGES

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SURETY/COMMERCIAL BONDS

Choose from eight different families of surety bonds.

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As an independent agency, we proudly offer multiple carrier options.

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The Valley is rich with farm land and lively agricultural
businesses. Our farm/agribusiness insurance provides
coverage to protect your farm, buildings,
equipment, animals and more!
Our local contractors are so important to our community’s growth!
We can provide coverage for residential and commercial builders,
general contractors, construction managers, design and build
firms, and specialty contractors.
Partnering with local nonprofits and charitable organizations
is at the heart of LD&B. We offer specialty insurance coverage
for organizations that have complex needs because of their
philanthropic missions.

meet your team

Terri-Carrier
Charity-Jones
Codi-Heiren
Flynn-Hulver
John-Riner
Meredith-Chandler
Pam-Cubbage
Patty-Wilbur
Skip-Weakley
Casey-Myers
Bobby-Mongold

Let us help

Contact our business insurance agents to ensure you have the right
coverages in place to protect your business and keep it growing.

Find an Agent
Request a Quote

Main Office
205 South Liberty Street
Harrisonburg, Virginia 22801

Toll Free: (800) 366-3846
Phone: (540) 433-2796
Fax: (540) 434-9670

Hours:
Mon-Fri: 8:00am-5:00pm
Sat-Sun: Closed

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Commercial General Liability

General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc. The amount of liability you select will determine the cost, along with the kind of work undertaken, gross receipts and total payroll expenses. Before buying general liability insurance, we can help you compare the quotes available in the market.

Business Owner's Package Insurance

Commonly called a “BOP,” a Business Owner’s Package Insurance policy contains many of the insurance coverages needed by most small businesses. While these policies are not standard to all companies; there are common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.


Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.

worker's compensation

Workers’ compensation insurance protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers comp coverage is the largest part of its insurance expense.

commercial auto/trucking

A commercial auto/trucking insurance policy is required under most circumstances when the vehicle is used for business purposes. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial Umbrella

A commercial umbrella can provide you and your business with additional liability protection. There may be situations where the limits of your general policy may not provide adequate protection.

Cyber Liability

Cyber liability insurance is designed to protect businesses from the devastating effects of cyber crimes such as malware, ransomware and other cyber attacks. There are two levels of cyber coverage: First Party and Third Party.

Management Liability

 This collective policy can protect shareholders’ investments and company assets from legal proceedings. Examples of this type of coverage: Directors and Officers Liability Insurance, Employment Practices Liability Insurance, Fiduciary Insurance, Commercial Crime Insurance, Professional Liability.

Additional Coverages

Additional coverages include commercial property insurance, builder’s risk insurance, product liability insurance, special event insurance, and flood insurance. Contact our team to discuss what polices you need in place to help protect your business.

Surety/Commercial Bonds

A Surety Bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee. There are the eight different families of surety bonds: Fidelity Bonds, Public Official Bonds, Judicial Bonds, Fiduciary Bonds, License and Permit Bonds, Contract Bonds (Bid and Performance Bonds), Miscellaneous and Federal Bonds, and Notary Bonds.

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