Business Insurance for Virtual Assistants

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Virtual assistants are exposed to real-world liability while performing virtual tasks. Business insurance for administrative assistants protects your home business from lawsuits and other costly risks.

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Insureon helps virtual assistants compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do virtual assistants need?

These policies provide coverage for the most common virtual assistant risks.

Business owner’s policy icon

Business owner's policy

A BOP is an affordable way for virtual assistants to buy general liability insurance and commercial property insurance together. Small, low-risk businesses are usually eligible.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common third-party risks, such as a delivery person tripping on an uneven step at your home. Bundle it with commercial property insurance in a business owner's policy for savings.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy can cover work mistakes and oversights, such as a personal assistant forgetting to file timely paperwork. It's also called errors and omissions insurance (E&O).

  • Work errors and oversights
  • Missed deadlines
  • Failure to provide promised services
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for virtual assistants who hire employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers financial losses when a virtual assistant's vehicle is involved in an accident. It's required for vehicles registered to a business.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance helps virtual assistants recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive information.

  • Customer notification costs
  • Data breach investigations
  • Fraud monitoring services
Looking for different coverage? See more policies.

Why do virtual office assistants need business insurance?

Virtual office and executive assistants are vital to the success of many companies. It may seem a low-risk enterprise, but even virtual work has its risks. From an injury at your home office to a lawsuit over a missed deadline, business insurance for administrative assistants protects against common risks that could severely impact your home business.

How much does insurance cost for virtual assistants?

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Several factors will have an impact on insurance costs, including:

  • Virtual assistant services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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