Client Resources

Commercial Lines

Ford & Thomas has access to over 25 of the most preferred and financially sound companies. This allows us to provide you with the best product.

Commercial Auto

Workers' Compensation

Workers’ Compensation insurance coverage covers the employer’s obligation to pay workers’ compensation benefits prescribed by law. The Employer’s Liability section provides coverage for the employer’s legal liability arising out of employee injuries outside the scope of the workers’ compensation law. Other States Insurance provides WC coverage for those out-of-state locations where you are working subject to the terms of the policy. The State of Virginia requires that an employer with 3 or more employees must provide Workers’ Compensation Insurance coverage for their employees. Officers may reject coverage.

Worker’s compensation limits vary and are generally shown as:

  • Bodily Injury by Accident $100,000 Each accident
  • Bodily Injury by Disease $100,000 Each employee
  • Bodily Injury by Disease $500,000 Policy Limit

Workers’ Compensation is priced based on the type of business as well as a modification factor that is generated by NCCI (National Council on Compensation Insurance).

We have many Workers’ Compensation carriers and would be more than happy to discuss your current operations and provide a quote!

Workers Comp

Commercial Auto

A properly written commercial auto policy is an important cornerstone of your overall insurance plan for the reduction of financial risk to your firm. Correct coverage and limits are necessary to provide a level of protection for your assets from large claims. This can be accomplished by a thorough review of commercial auto coverage options to include: liability, collision, comprehensive, medical payments, hired and non-owned auto, as well as many other optional coverage considerations. Several questions you should be able to answer:

  • What “symbol” is on your policy?
  • What liability limits do you have and are they adequate?
  • Do you have a personal auto policy?
  • Are you driving a company vehicle?
  • Do you need “DOC”?
  • Do you operate a “fleet”?

Did you know that how you control your fleet operations has a direct impact on the cost of your auto insurance? Do you have equipment attached to the bed of your truck? Is it mobile equipment? Is it covered? What is the definition of mobile equipment under your auto policy? Do you need “lease gap coverage, hired car physical damage, or rental reimbursement?

A personal auto policy may exclude coverage for commercial uses of your vehicle and a commercial auto policy may be required.

Business Owners

Business owner commercial insurance can be either a single policy or a package policy—also can be called a Business Owners Policy. Every package policy must contain two parts: property and liability. This standard insurance format offers the broadest availability of coverage options. Business clients may purchase any of the following commercial coverages as a mono-line (stand-alone) policy or as part of a commercial package policy:

  • Hired and Non-owned auto
  • Commercial Inland Marine (mobile equipment and tools)
  • Commercial Crime
  • Farm Coverage
  • Boiler and Machinery Insurance
  • Commercial Property Insurance
  • Commercial General Liability Insurance
  • Flood Insurance (This is a stand-alone policy.)
  • Errors and Omissions

The “BOP” format (Business Owners Policy) is used for smaller commercial businesses whose operations are fairly standard in nature. This package policy is also generally used for those risks that have exhibited an above-average control over exposures to claims which is reflected in lower pricing compared to a standard package policy.

Business Owner


Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the named insured in addition to his or her primary policies. It is distinguished from excess insurance in that excess insurance goes into effect only when all underlying policies are totally exhausted. The umbrella policy may also “drop-down” to fill coverage gaps in some underlying policies. A commercial umbrella policy may provide such features as:

  • blanket contractual liability protection (on both oral and written agreements)
  • extension of protection for additional insured persons
  • worldwide (or global) coverage
  • personal injury coverage
  • care, custody, and control coverage watercraft liability
  • non-owned aircraft liability
  • liquor law liability
  • advertiser’s liability
  • XCU liability

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