General liability
Helps with covered third-party injury, property damage, and related legal defense.
Virginia business insurance
Business insurance for Virginia companies that need practical protection.
From general liability and property to commercial auto and workers compensation, the right business policy should reflect what you do, where you work, who you employ, and what could interrupt your income.
Virginia requirements
Business insurance requirements can depend on your operations.
Virginia workers compensation coverage is generally required for a business with more than two employees. Contractors also need to count subcontractor employees when determining whether coverage is required.
Other coverage can be required by contracts, leases, lenders, licenses, permits, or clients, even when it is not a general state requirement.
Coverage options
Common Virginia business insurance policies
Commercial property
Protects buildings, contents, equipment, inventory, and other business property from covered losses.
Businessowners policy
A BOP can package property and liability coverage for many small to mid-size businesses.
Commercial auto
Needed when vehicles are owned, used, or titled for business purposes.
Workers compensation
Required for many employers and designed to respond to covered employee work injuries.
Professional liability
Helps with certain errors, omissions, or professional service claims.
Benefits
Business insurance helps protect the operation you are building.
- Protect contracts and revenue.Clients and landlords may require certificates before work starts.
- Protect equipment and inventory.Property coverage helps keep a covered loss from wiping out key assets.
- Protect against lawsuits.Liability coverage can include legal defense for covered claims.
- Protect employees.Workers compensation helps covered employees and helps employers comply with Virginia requirements.
Why work with us
We ask better questions before we quote.
Your industry, payroll, vehicles, subcontractors, property, equipment, revenue, contracts, and prior claims all matter. We help turn that information into a coverage plan that is easier to understand.
Request a business quoteBusiness FAQs
Common Virginia business insurance questions
Do I need workers compensation in Virginia?
As a general rule, businesses with more than two employees are required to carry workers compensation coverage in Virginia.
What is a certificate of insurance?
It is a document showing proof of certain coverage. Clients, landlords, or lenders often ask for one before work begins.
Can one policy cover everything?
Sometimes a package policy or BOP can combine key coverages, but many businesses still need additional policies or endorsements.
Virginia resources