PENTECO®  Insurance & Financial Services

Serving the Nation's Capital & Atlantic Region
For Over 30 Years
       (703) 660-9090 / (866) 4PENTECO

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Business Insurance

As a Business Owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you've built is covered by a company that understands your needs.  PENTECO provides professional service with personal attention to your business insurance requirements.

Business insurance provides wide-ranging protection for businesses, their property, and their employees. There are business insurance policies that provide coverage for Property, Liability, Vehicles, and Workers' Compensation: 

  • Property insurance protects your owned Buildings or Rented Premises, Business Property such as furniture and computers, and your Products or Inventory stored within the business premises.
  • Liability insurance provides coverage for damage or injury to third parties, including landlords.
  • Vehicle insurance, which always includes Liability coverage, can also protect business-owned or hired vehicles from damage or theft. 
  • Workers' Compensation insurance covers injuries and lost wages to your employees.

Business insurance is a necessity for any business, and often is required by law and/or by your customers.  Whatever your commercial insurance needs, PENTECO will design a comprehensive yet affordable insurance program that's right for you.  Call us to discuss your business insurance today, or simply click on one of the buttons to the right to request a no-obligation quote.

PENTECO Insurance provides the following types of business insurance protection:

Automobiles & Trucks - Commercial Vehicle Insurance

A Commercial Vehicle insurance policy is necessary when the vehicle is used for business purposes.  Some criteria that may require a business vehicle insurance policy are ownership or registration by a business entity, use in hauling goods for hire, and gross vehicle weight.  PENTECO provides competitive business vehicle insurance from many major insurance companies.

Commercial Auto Insurance Quote

Business Owners Insurance Package (BOP)

A Business Owners Package policy, commonly called a "BOP" or Package policy, contains many of the insurance coverages needed by most small businesses. While these policies are not always standard, there are certain common elements. The basic BOP offers Business Property Insurance for your building and contents, and Liability insurance protection for the operation of your business. This Liability protection provides coverage for bodily injury and property damage sustained by others at your business premises or as a result of your products or completed operations.  Some BOP policies will also offer Business Income and Extra Expense protection after an insured loss.

However, BOP policies do not provide all of the coverages needed by a small business. For example, BOP's do not provide Workers' Compensation, Professional Liability, or Commercial Vehicle insurance coverage.

Business Owners Package Insurance Quote

Business Income & Extra Expense Insurance (may be added to a BOP) 

If your business suffers a property loss it could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, Business Income & Extra Expense insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

Commercial Property Insurance

Commercial Property protects your business against the loss or loss of use of company property. "Property" can include a variety of types: buildings, computers, furnishings, money, valuable papers, and lost income or business interruption.

Commercial Property Insurance Quote

Commercial Umbrella Liability Insurance

Most BOP policies provide a Liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, a Commercial Umbrella Policy offers additional layers of Liability protection in million-dollar increments and is readily available in today's insurance market for most businesses.

Contractor's General Liability Insurance

contractorContractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design-and-build firms, specialty contractors or subcontractors, and owners of public and private construction projects.

We provide contractor policies for every type of project:

  • Property
  • Builders Risk insurance and course of construction
  • General liability insurance
  • Contractor insurance
  • Commercial Vehicle
  • Umbrella
  • Workers' Compensation
  • Railroad protective
  • Equipment insurance
  • Contractor bond

Directors & Officers Liability Insurance (D&O)

Directors and Officers (D&O) Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company. Think of Directors and Officers Insurance as a management Errors and Omissions policy.

Directors and Officers Insurance is often confused with Errors & Omissions Liability. The two are not synonymous; Errors & Omissions is concerned with performance failures and negligence with respect to your products and services, not the performance and duties of management. Generally it is a good idea to carry both Directors and Officers Liability Insurance and Errors and Omissions Liability Insurance.

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance, otherwise known as EPLI, is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

  • Discrimination
  • Wrongful Discharge
  • Sexual Harassment
  • Hostile Working Environment
  • Wrongful Termination
  • Lack of Advancement

General Liability Insurance (GL)

warehouseNormally, it is difficult for businesses or general contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner's or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

General Liability Insurance Quote

Lessor's Risk

If you own a building and use it for the purpose of leasing retail, warehousing, office or personal space to others, Lessor's Risk insurance is an essential financial tool for protecting you against liability. It can help shield you from lawsuits if a lessee, or a customer of the lessee, sustains bodily injury or property damage while on your property.

Lessor's Risk insurance protects you, the Landlord, from liability arising from a lessee's (tenant's) property loss (located in the building you own), which includes:

  • damage and destruction of property
  • vandalism
  • theft

Lessor's Risk Insurance also protects you against claims for injuries to a lessee and its employees, as well as customers who visit the lessee's location during the course of business.

Kidnap & Ransom Insurance

As your company expands globally, so do your exposures. Companies with international operations and executives or staff who travel internationally may be targets for kidnappers and extortionists.

While no one can predict where or when a kidnapper or extortionist might strike, there are steps that you can take to protect your executives and families and prepare for a possible threat. A Kidnap & Ransom policy should be an integral part of your risk management program.

The Kidnap & Ransom policy will provide coverage for the following:

  • Ransom and extortion payments as a result of a kidnapping or extortion threat.
  • Loss of the ransom or extortion payment while being delivered.
  • Expense coverage as a result of a ransom or extortion demand which includes fees and expenses of independent negotiators, and travel and accommodation expenses.
  • Legal liability coverage protection in the event it is alleged the insured was negligent in a hostage retrieval.
  • Political threat coverage for expenses when a person is wrongfully detained by anyone acting for a government or with the government's approval.

Liquor Liability Insurance

Liquor Liability Insurance is designed to provide liability insurance protection for those businesses who manufacture, distribute, or sell liquor. You need liquor liability insurance if you sell liquor and your business is a:

  • Bar
  • Tavern
  • Nightclub
  • Fraternal Club
  • Convenience Store
  • Liquor Store
  • Restaurant

Medical Malpractice Insurance

In today’s challenging healthcare marketplace, we can help guide you to better results and a higher set of expectations with our value added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims. Working in partnership with your practice, we will address affordability issues regarding medical malpractice insurance, while improving safety and quality.

Product Liability Insurance

Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product, but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.

Most business owners policies include limited product liability coverage. If, for some reason, you do not have this coverage through a business owner's policy and your product runs the risk of inflicting harm on other people, you may need to buy product liability separately. Similarly, if your product presents a higher risk of injury (for example, it contains a hazardous material), you may need to purchase additional coverage.

Professional Liability Insurance (Errors & Omissions)

Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.

Professional Liability Insurance Quote

Property Liability Insurance

The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.

Restaurant Insurance

restaurantToday’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Eligible classes include, but are not limited to:

  • Fine Dining
  • Casual Dining
  • Fast Food
  • Ethnic Cuisine
  • Delicatessen
  • Coffee Shop
  • Micro Brewery

Special Event Insurance

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Surety & Fidelity Bonds Insurance

We work with many of the country's top-rated surety companies to secure:

  • Contract Payment and Performance Bonds
  • Fidelity Bonds on Employees
  • Code Compliance Bonds
  • Judicial and Court Bonds, including estate guardianship and repletion bonds
  • Professional Service Bonds

Technology Insurance

Many companies are unaware that their current business and insurance policies most likely do not cover them for all of their technology-related risks. Our technology insurance portfolio offers coverage options tailored to fit your company's unique needs.

In today's technology-driven world, companies face a number of dynamic exposures. Whether it is faulty software, inappropriate advice, mis-configured firewalls or inadequate anti-virus software, hardware failure - companies are increasingly at risk. Claims are growing rapidly, leaving companies liable for expensive lawsuits.

Wholesalers & Distributors Insurance

We provide a broad range of coverages that are cost-effective and perfectly tailored for your business requirements if wholesaling or distributing. Get coverage specifically designed for today's wholesalers and distributors.

Our programs for wholesalers and distributors include exacting risk assessment and loss control expertise that can help reduce insurance costs for everyone from the small supplier to the large distributor.

Workers' Compensation Insurance

rooferWorkers' Compensation insurance protects employers from claims resulting from injuries to employees. It 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, this coverage is the largest part of its insurance expense.

Workers' Compensation Insurance Quote


Business Insurance
Specialty Business Insurance Programs for:
Builders Risk Insurance

Contractor Insurance

D & O Insurance

Electrician Insurance

Embassy Insurance

Landscaper Insurance

Lessors Risk Insurance

Medical Office Insurance

Professional Liability

Restaurant Insurance

Retail Store Insurance

Roofer Insurance

Trucker/Cargo Insurance

Veterinary Office Insurance

Our Preferred Business Insurance Partners

PENTECO is a member of the


Insurance Resources

Need to know what those insurance terms actually mean? Get answers to some of our most commonly asked questions in our
Insurance Resources section.

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