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You’ll Love Responsive Service From Barnes Insurance Group As Much As Your Affordable Rates

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Local Insurance Agency. Family Customer Service. Statewide Reach.

At Barnes Insurance Group (BIG), we prioritize your auto, home, and business insurance needs above all else.

“This company treats you like friends and family. I have had my plans with them for years, they always have my best interest at heart. If there are ever questions, the staff is always pleasant and eager to help.” – Patrick Gallagher

Insurance solutions throughout the state of Virginia, North Carolina, Maryland, West Virginia, and Washington D.C. including Richmond VA, Powhatan VA, and Chesterfield VA.

If you are looking for an insurance agency with your best interest at heart, we’re here to make a big difference in your life. We take service to a whole new level, working to understand your needs while building personalized relationships that matter. Start your insurance journey off right by choosing us.

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Quick Responses

We respond to your auto, home, and business questions, claims, policy changes, calls, and emails quickly.

Answers for Your Questions

We address your auto, home, and business policy or claim questions with easy-to-understand answers.

Shop Coverages You Need

We listen and are proactive in understanding your changing needs, helping you find the auto, home, and business insurance to close coverage gaps.

Insurance Made Easy

We take the time to thoroughly explain your insurance so you can be informed.

Here for You

We are available to answer the phone or call you back as quickly as possible during our office hours.

Rates You Enjoy

We are here to help you secure quality coverage at affordable rates to meet your insurance needs.

Insuring Homes, Cars, Motorcycles, Boats, Commerical Trucks, RVs, Classic Cars, and Loved Ones

We have insurance offices in Powhatan VA, and Halifax VA. Our independent insurance agents are proud to serve clients locally in Richmond VA, Fairfax VA and across the Mid-Atlantic region, including Virginia, North Carolina, Maryland, West Virginia, and Washington D.C.

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The Solution to Your Auto and Home Insurance Needs

Barnes Insurance Group offers a variety of business insurance, personal insurance, and life insurance solutions to help you protect what matters most.

Liquor Liability
Risk Factor

If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.


Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.

Spoilage, Contamination, and Product Recall
Risk Factor

If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, production time, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.


Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.

Employment Practices Liability Insurance (EPLI)
Risk Factor

It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, actual employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.


Coverage comes in the form of a standalone policy. This coverage is critical to your risk management strategy as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Equipment Failure
Risk Factor

There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.


Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.

Cyber Liability
Risk Factor

Customers or employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.


Securing a cyber liability policy can cover expenses associated with compliance requirements, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, and paying for regulatory defense and penalties arising from privacy law violations.

Environmental Liability
Risk Factor

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.


Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.

Premises Liability
Risk Factor

If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.


Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.

Workers' Compensation
Risk Factor

Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.


Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.

Risk Factor

Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.


Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.

Business Auto Insurance
Risk Factor

Automobile exposures are significant, especially if you handle your own distribution.


Employees need to be trained and aware of the exposures associated with driving for the brewery. Business auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. A fleet safety program is a critical risk management strategy.

Supply Chain
Risk Factor

As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.


Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.

Special Events
Risk Factor

Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.


Make sure you have coverage that extends to any events in which you wish to participate.

Risk Factor

What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?


Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.

Risk Factor

If a bonded brewery fails to pay taxes appropriately, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.


The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF bonds, and TTB bonds, but they all perform the same function. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.

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Our Clients Rave About Their Insurance Agency Experience

Check out our reviews and see why you’ll love your auto, home, and commercial insurance experience with Barnes Insurance Group as much as your affordable insurance rates.

“Barnes Insurance Group has handled my business’s insurance needs for many years. Most requests are fulfilled within 24-48 hours! Everyone there is professional and lovely, but the business insurance staff is second to none!”

Candi Sheppard

Explore Small Business Insurance Solutions

We offer a variety of commercial insurance by industry and business insurance options.

“I’ve been with Barnes Insurance Group since 2010. One word for this company: amazing! The staff is very polite, professional, caring, and works with you in a very timely fashion. The rates are very competitive with any other insurance group but the quality is second to none!”

Scott Kelly

Explore Personal Solutions

We offer a variety of personal insurance and life insurance options.

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Manage Your Insurance Policies

Already a Barnes Insurance Group client? Visit our Insurance Service Center to pay a bill, request a certificate, report a claim, and more.

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By Your Side Claim Handling

Filing a claim doesn’t have to be stressful. BIG is here to help you every step of the way.

Coverage Gap Review

We’ll break your coverage down so you can compare what you have to what you actually need.

The Insurance Agency Near Me Advantage

What makes our insurance agency and independent insurance agents different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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