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Frank & Sons Insurance

Frank & Sons Insurance is a locally owned and operated insurance agency servicing all of Virginia, Maryland, Washington D.C, North Carolina and Texas! Our experts work closely with all clients to ensure that they get the coverage they deserve. Whether you need home insurance, car insurance, liability insurance, or worker’s compensation, our insurance specialists are here for you. For insurance coverage that is tailored to your individual needs, contact your local experts at Frank & Sons Insurance. We look forward to working with you.


6915 Yeoman Court
Fredericksburg, Virginia 22407

Office Hours

  • Monday 09:00 AM - 06:00 PM
  • Tuesday 09:00 AM - 06:00 PM
  • Wednesday 09:00 AM - 06:00 PM
  • Thursday 09:00 AM - 06:00 PM
  • Friday 09:00 AM - 06:00 PM
  • Saturday 09:00 AM - 03:00 PM
  • Sunday Closed

Why our clients choose us

“"They helped when I did not have any insurance and provided me with best affordable insurance. Explained my options and helped me decide what best was for me."”
“"Called late in day to see if they could give me a better auto insurance rate to what I had at the moment. Francisco was the agent that helped me out through the whole process. He made it go fast and easy. Just asked a few personal information, auto information and got back to me same day real quickly. Keep in mind since it was very late in the day I thought maybe he will reach out the next day but no it was same day. He was able to get me a very good rate for my two cars. Really nice and polite. I really recommend them."”
“"Frank is very professional, charismatic and an excellent agent. Previously, I had no idea what insurance consisted of, I just made sure I had it because the law requires it and in terms of price, I have no idea why I was paying. Until he explained to me what it consists of, what services I pay for, what I need, and what helps me save. I didn't have to worry about calling different insurers and repeating my details over and over again. I only gave them to him once and he took care of saving me all that work by finding me good quality insurance at a very good price. Quoting not only in one company if not in different ones, the truth is I was surprised and grateful for the time and attention and patience when answering all my questions apart from the fact that he is bilingual. In Spanish or English, he understands perfectly what I speak and what I mean, so if you are looking for a good agent, good insurance, and a good price. It is totally worth giving it a try and recommending it you will not regret it."”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
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Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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