One quick call can save you up to 65% or more with
Virginia’s leading contractors' insurance programs –
Contractors
Insurance
Virginia
Virginia
Contractors Insurance
Stop overpaying for coverage in the Old Dominion!
One quick call can save you up to 65% or more with Virginia’s leading contractors’ insurance programs –
Coverage for Virginia Contractors
By leveraging the nation's leading construction risk programs, our Virginia Contractors' Insurance solutions offer reliable protection at an affordable cost, ensuring your financial stability — all without breaking the bank –
What is Virginia Contractors’ Insurance?
Virginia contractors’ insurance is designed to safeguard against financial risks at every stage of business operations.
Why Do I Need It?
Every construction project comes with its own set of risks. These risks can be avoided, transferred, mitigated, or accepted, but never ignored. Safety hazards, rising material costs, labor shortages, and theft are unavoidable operational challenges that affect a project’s success. Operating without adequate insurance is a risk that should never be taken, as an unexpected loss can drive a small construction business to the brink of insolvency overnight.
Our comprehensive commercial insurance package is your shield, safeguarding you against bodily injury, property damage, and third-party legal actions so you can run your business with peace of mind.
Protect Against the Unpredictable
As responsible contractors, it’s crucial to visit the Virginia Department of Professional and Occupational Regulation to verify license and insurance requirements before starting any project.
With low premiums that fit any budget, our licensed specialists are not just ready, but committed to helping Virginia contractors secure an insurance package tailored specifically for your trade operations. You can trust us to guide you through the process.
Our Recommended Products
General Liability
General Liability
A Virginia contractors’ general liability policy is the foundation of a well-structured commercial insurance portfolio.
Virginia contractors’ general liability policy protects your business organization from third-party injury and property damage claims.
Virginia contractor liability insurance provides essential coverage for:
- Liability Resulting from Property Damage
- Liability Resulting from Bodily Injury
- Liability Assumed Under a Contract
- Products-Completed Operations
- Defense Costs
- And Much More
Workers' Comp
Workers' Comp
Virginia contractors’ workers’ comp is a no-fault benefits program for employees who suffer on-the-job injuries and diseases due to a compensable claim under the Virginia Workers’ Compensation Act.
Virginia contractors’ workers’ compensation provides:
- Medical Benefits
- Lost Wages
- Disability Benefits
- Death Benefits
Failing to carry Virginia contractors’ workers’ comp insurance may result in heavy fines and severe penalties.
Please visit the Virginia Workers’ Compensation Commission to verify Virginia contractors’ workers’ compensation for specific employer rules, regulations, and insurance prerequisites.
Surety Bonds
Surety Bonds
Contractors may be required to post a Virginia contractor bond as a license or permit prerequisite by local municipalities, counties, or the state government.
A Virginia contractor license bond protects your clientele from illegal business activities or a licensing authority that the principal will comply with the terms of the license.
A Virginia contractors’ surety bond may be required to bid on a large construction project or public works.
Commercial Auto
Commercial Auto
Virginia contractors’ commercial auto insurance provides coverage for your business vehicles and trailers when damaged in an accident, stolen, or vandalized.
A Virginia contractor commercial auto policy safeguards your business vehicles if you or an insured driver are liable for an at-fault accident.
Virginia contractor commercial auto insurance covers:
- Bodily Injury Liability
- Property Damage Liability
- Comprehensive Damage
- Collision Damage
- Medical Payments
- Combined Single Limits (CSL)
- And More
Inland Marine
Inland Marine
Virginia contractor inland marine insurance provides broad coverage for business property, such as tools, products, equipment, and material, while in transit over land or stored at an off-site location.
“Installation” or “builders” risks, vandalism, damaged leased or rented equipment coverage can be provided via Virginia contractor inland marine insurance.
A Virginia contractors’ inland marine policy — also known as Virginia contractor tool and equipment insurance — reimburses business owners for such common perils:
- Theft
- Wind
- Hail
- Fire
- Water
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