Business Umbrella Insurance

A Business Umbrella Insurance policy protects you in a claim when your general business liability limits are exhausted, and you are faced with a lawsuit and potentially millions of dollars in liability exposure.

A million dollars can add up easily, particularly if the injured person suffers injuries that keep him or her from working for weeks, months, or years. The victim of an accident could sue you for medical bills, lost income, even pain and suffering, not to mention damage to their vehicle, and cost for an attorney.  Depending on the extent of the damage and injury, after your business general liability limits are exhausted, you are responsible for paying the rest, if you are at fault in an accident, and that could mean financial disaster.

Baughman and Associates can provide the Business Umbrella Insurance to Protect You and Your Business.

We can provide $1 million or more of Business Umbrella Insurance protection on top of your business general liability and business auto liability coverages–and it is not that expensive.  You can usually buy a business umbrella insurance policy with $1 million limits for $150 to $300 a year. If you need more than $1 million limits, you can buy each extra $1 million of coverage for $100 to $150.

Why Baughman and Associates?

Located in Forest, Virginia, Baughman and Associates is a full-service Independent Insurance Agency that represents many top-rated companies. We assess risks, develop strategies and shop companies to find the best coverage for the price.

Companies we represent include: Loudon Mutual, Foremost, National General, Northern Neck, State Auto, Travelers, and others.

For our clients’ convenience, our Agents are available for both policy questions and claims consultations during regular business hours.  We also operate on an appointment basis.  Have an after-hours claim or emergency?  …our Agents are available by cell.

At Baughman and Associates, we are dedicated to providing the most exceptional and timely customer service in the industry!

Baughman and Associates provides Commercial Insurance and Personal Insurance services in Virginia. Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best insurance value for you.

About Al Baughman

Al Baughman, AIM, LUTCF, is a graduate of Virginia Tech and began his insurance career in 1974. He spent his first twenty-six years with a direct writer, serving both corporate operations and local agency sales.

Al founded Baughman & Associates as an independent Agency in August 2000, as an alternative for clients with complex portfolios. Our focus is Property & Casualty, Commercial, Life, Contractors, Business Continuation and Excess & Surplus lines. Our carrier partners are rated “A” or better by AM Best. These carriers are providers of comprehensive and competitively priced products. Their Service and Claims technology and are second to none!

On the personal side, Al and his wife Debbie are Bedford County residents. When you do business with Baughman & Associates, you are helping to strengthen our community by supporting local charities. Included are The Salvation Army, The Exchange Club of Lynchburg, Daily Bread, Parkview Mission, Patrick Henry Family Services, area fire, rescue and law enforcement departments, area churches and scouting…just to name a few. Why not do business where your dollars are invested in your community?

Thank you for calling us today to schedule your insurance Portfolio Review!