Loudoun Mutual Insurance


Why You Should Choose Loudoun Mutual Insurance Company

Loudoun Mutual Insurance Company is rated A- (Excellent) by AM Best, the premier insurance rating organization. A.M. Best ratings are issued on over 3,500 companies in more than 80 countries worldwide. Best’s Credit Ratings are recognized as a benchmark for assessing a rated organization’s financial strength as well as the credit quality of its obligations.

Commercial Property & Premises Liability

Loudoun Mutual is pleased to offer insurance for your commercial property and premises liability only exposures. We target Lessor’s Risks and exposures that are difficult to place. We are able to insure your commercial property risk while you insure the Commercial General Liability exposure with a company of your choice. Our rates are reasonable and may allow you to avoid placement in an Excess market.

Our Commercial Property program insures a wide variety of risks, but some of the more common types of risks we insure include:

  • Office Buildings
  • 12 Unit or Greater Apartment Buildings
  • Multi-Use Buildings (Strip Malls)
  • Short Term Rentals
  • Warehouses
  • Fraternal Organizations and Clubs
  • Vacant Buildings

We will also consider unique risks that may be difficult to insure, some examples include:

  • Woodworking Shops
  • Antique Stores
  • Restaurants
  • Machine Shops
  • Gun Shops
  • Auto Repair & Service Shops
  • Cell Towers
  • Barbers Shops and Convenience Stores

We provide coverage on a replacement cost or actual cash value basis, for your building and contents. Coverage can be provided for Basic Perils or an Open Perils basis, depending on the risk. Loss of Earnings and Business Interruption Coverage is also an option, along with Water/Sewer Backup Coverage.

In addition, Equipment Breakdown coverage is available. This coverage protects covered property for physical damage caused by mechanical breakdown, artificial electrical damage and steam explosions. In addition, coverage is included for microelectronic components when the physical damage is not always detectable, known as Electronic Circuitry Impairment. Please review our Commercial Property Equipment Breakdown brochure for more specifics.

There is a Loudoun Mutual agent in your area ready to help you become a policyholder, contact one today