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.

Britannia Insurance Group 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.

Britannia Insurance Group serves families and business owners in Northern Virginia for all their insurance needs.  Our mission is to educate consumers about insurance products and how they work.  We go to work for you by doing a thorough analysis of your unique situation and needs before recommending solutions.  We evaluate carefully all the insurance carriers we represent and find ones that fit your needs based on the coverage they offer as well as the price.

 

Do I need an insurance agent now that I can do it myself using the internet?

 

Living in the technology age has changed the way we all live our lives.  Industries are being created and others are being rendered a thing of the past, Insurance is involved in all of those changes while it undergoes changes of its own.  Insurance is a contract between a company who guarantees compensation for specified loss, damage, illness or death in return for payment of a premium.  Some insurance policies are mandatory like car insurance while other types are voluntary like life insurance.  To navigate through the choices and decisions involved you can choose to do-it-yourself or hire the services of a professional.  I am all for taking on certain D-I-Y projects like cutting your own grass or hanging ceiling fans but hiring a professional insurance agent is one choice I highly recommend.

 

Why should I hire an Independent Insurance Agent?

 

Once you decide to hire a professional insurance agent, the next decision is whether to go with a Captive agent or an Independent one.  Captive agents represent one insurance company and all the products that they offer.  The Independent agent represents multiple insurance carriers and can shop around with those carriers as they compete with each other for clients.  There are great insurance agents in both categories and choosing one is a personal preference.  The biggest difference is when the policy has been in place for a couple of renewals and the premium starts increasing.  An independent agent can shop around for you with other carriers if your rates start increasing by too much and the relationship can remain in place.  Captive agents do not control rate changes that happen from their companies and so do not have this option.  Building strong relationships with our clients is what sets Britannia Insurance Group apart from our competition.

 

Why Britannia Insurance Group?

 

  • Inquiry – We pride ourselves on asking great questions and the more information we collect means the better advice we can give you.
  • Integrity – Doing our best for every client by being honest and transparent during the process of working together.
  • Dedication – Educating clients about the insurance coverage they need and coverage options they can choose from to customize policies that fit their unique needs.
  • Philanthropy – Giving back to our community is an essential part of who we are.  By giving back to the community through volunteering and donating part of the company profits we strive to do our part in building stronger communities.

 

Britannia Insurance Group is a full-service insurance agency providing Commercial Insurance and Personal Insurance services to Virginia, Maryland, and D.C. Call or visit us at our office today for a free, no obligation risk assessment and Business Umbrella Insurance quote. Let us do the research and find the best value for the insurance you need.

 

 

 

Simon England

About 

Simon England founded Britannia Insurance Group in 2019 after noticing a need for an Independent Insurance agency in Brambleton, Virginia. Having worked for a few different agencies in Maryland and Virginia over the last 10 years, Simon brings a wealth of insurance experience to his clients. As a former high school teacher and soccer coach, he takes an educational approach to helping clients understand how insurance works and teaching them how to play the insurance game. Attention to detail and valuable tips based on experience are just two of the qualities you will receive when choosing Britannia Insurance Group as your agent.

Simon is originally from Liverpool, England and is extremely proud of his heritage. He gets his interest in history from growing up in the historical city of Chester which was built by the Romans all the way back in the 1st Century A.D. His love for music and soccer also come from his family and where he grew up. When he is not in the office you can find him attending concerts or following his favorite sports team, Liverpool F.C.

Simon and his wife Charissa love living in Brambleton where they have the privilege of being able to explore the wonderful areas around them with their son, Dylan. His other sons, Ian and Stevie, come to visit as often as possible and bring a lot of joy to Simon’s life. Getting visits from his family from the UK or from his wife’s family who live in different states are another source of happiness for Simon.

Treating clients like family is what Britannia Insurance Group does. My commitment is always to do what is right for you and your family at all times. Education about how insurance works for you will set us apart from other agencies. Having a professional insurance agent guide you through the complicated world of insurance is a smart decision, we hope you choose Britannia Insurance Group to be that guide. Simon will work hard for you and ensure that “You’ll Never Walk Alone”.

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