Virtual Assistant Insurance

small business owner protected by Virtual Assistant Insurance

Essential Insurance for Virtual Assistants Made for Your Business

Even the most meticulous virtual assistants can face unforeseen liabilities and business interruptions. Whether you operate out of a home office or a commercial building, comprehensive virtual assistant insurance can help you stay ahead of risks and build a thriving business. 
 
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small business protected by insurance for Virtual Assistant

Why Do You Need Virtual Assistant Insurance?

Virtual assistant insurance is essential to protecting yourself from various risks. With the right business insurance coverage, you can help safeguard your reputation and be better prepared against the unexpected. Without coverage, you’d have to pay out of pocket for claims, which can put your business at risk of significant financial loss.
small business owner knows who needs Virtual Assistant Insurance

Who Needs Virtual Assistant Insurance?

  • Freelance virtual assistants
  • Virtual assistant agencies
  • Remote administrative professionals
  • Consultants and specialists

What Types of Insurance Do I Need as a Virtual Assistant?

Many admin professionals start with a Business Owner’s Policy (BOP), which combines three essential types of coverage into a single policy:
 
It’s important to remember that a BOP doesn’t cover every type of claim your business faces. You may need to get other coverages to increase your protection, such as workers’ compensation insurance or commercial auto insurance.
 
 

How Much Does Virtual Assistant Insurance Cost?

The cost of virtual assistant insurance varies, but here are the average costs The Hartford’s small business customers in this industry pay for a few common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
Every business owner has specific needs, so your insurance cost may be different than the average. The best way to find out how much virtual assistant insurance will cost you is to get a quote.
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Covering Your Operations

From employment-related lawsuits to sudden disruptions that affect your ability to operate, your virtual assistant business faces unique risks. The right type of insurance can protect you from unforeseen challenges.
Over 60% of outages cause more than $100,000 in damages.2
General Liability Insurance for virtual assistants

General Liability Insurance

“One of my clients was visiting our offices to go over business results. She tripped over a cord in our conference room, spraining her ankle. She had to go to urgent care because she couldn’t walk on it.”
 
General liability insurance helps cover claims that your administrative assistant business hurt somebody else or damaged another person’s property.
Employment Practices Liability Insurance for virtual assistants

Employment Practices Liability Insurance (EPLI)

“I had to let one of my executive assistants go because he was frequently late to work. I was surprised to find out that he sued my business for wrongful termination.”
 
Employment practices liability insurance (EPLI) helps protect your business from claims of wrongful termination, harassment or discrimination. The Hartford includes this coverage in a BOP, and it also helps cover third-party claims.

Taking Care of Your Team

Your employees are essential to the success of your business. The right insurance coverage can help protect your employees and give them peace of mind on the job.
Work-related injuries in 2022 resulted in 108 million days of lost work time.3
workers' compensation insurance for virtual assistants

Workers’ Compensation Insurance

“My lead consultant developed carpal tunnel after working long hours on a project. She ended up needing surgery and had to take a full month off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto insurance for virtual assistants

Commercial Auto Insurance

“One of my assistants got into a car accident while using the company car to pick up supplies for our office.”
 
Commercial auto insurance can help protect your virtual assistant business on the road. If you or your employees use a business-owned vehicle for work, this coverage can help protect your company from claims of bodily injury or property damage.

Protecting Your Property

Protecting your business’ property is crucial. Unexpected damage, theft or accidents can disrupt your operations and lead to costly repairs or downtime.
On average, a fire department in the U.S. responded to a fire every 23 seconds.4
business income insurance for virtual assistants

Business Income Insurance

“A fire broke out in the building where my office is located, damaging my equipment and furniture. I couldn’t work while repairs were being made.”
 
Business income insurance can help you continue to pay ongoing expenses like rent, payroll and utilities when your business is unable to operate due to property damage from fire, theft or wind.
commercial property insurance for virtual assistants

Commercial Property Insurance

“Someone broke into our office, stole our computers, broke our headsets and destroyed our paperwork.”
 
Commercial property insurance helps protect the owned or rented buildings, property, tools and inventory that your business uses to operate.

Virtual Assistant Insurance That Suits Your Business Needs

The Hartford is an insurance company with more than 200 years of experience, so we understand the risks and challenges you face in your profession. That’s why we’re proud to offer comprehensive insurance for virtual assistants. With The Hartford, you can get protection to help your administrative assistant business respond to the unexpected.
 
Find out more about other professions we insure:
 

Frequently Asked Questions About Virtual Assistant Insurance

Virtual assistant insurance is made up of different types of coverage to help protect you from a variety of risks. Coverage can include protection for claims of bodily injury or property damage made against your business. It can also help protect your employees if they get a work-related injury or illness.
Virtual assistant insurance is essential because it helps cover claims-related costs. Without comprehensive coverage, claims can put your business at financial risk. Some states also require businesses to carry certain types of coverage, such as workers’ compensation insurance. If your business doesn’t comply, you can face fines, penalties or fees.
The best way to get virtual assistant insurance is to get a quote from The Hartford. By answering a few simple questions, you’ll receive a customized quote in just minutes. 
small business owners happy after getting Virtual Assistant Insurance quote

Get Virtual Assistant Insurance Today

Get the protection and peace of mind you need to keep your business running smoothly.
 
Quote Today
 
 
Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2  Uptime Institute, “Uptime Institute’s 2022 Outage Analysis Finds Downtime Costs and Consequences Worsening as Industry Efforts To Curb Outage Frequency Fall Short”
 
3 National Safety Council, “Work Injury Costs”
 
4 National Fire Protection Association, “Fire Loss in the United States”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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