Contractor Insurance
in Virginia
Fast, Trade-Specific Insurance for Virginia Contractors
From the Blue Ridge Mountains to the Virginia coast, contractors across the state face a range of challenges—from local licensing rules to client contract requirements. Without the right insurance, a single jobsite injury or property claim can cost you time, money, and future work.
At Affordable Contractors Insurance (ACI), we make it easy to get covered quickly and affordably. Whether you’re a residential remodeler in Richmond or a commercial electrician in Norfolk, we provide contractor insurance that’s built for your business, your trade, and Virginia’s compliance laws.
Why Contractors in Virginia Choose ACI
Virginia Expertise
We know the state’s licensing and insurance mandates
Same-Day Certificates
Get proof of coverage fast to land more jobs
Flexible Payment Options
Start with as little as 20% down
Bundled Policy Discounts
Save up to 25% when combining policies
Custom Coverage
Built for your specific trade, tools, and crew size
Insurance Coverage We Offer in Virginia
We offer comprehensive coverage options tailored to contractors and tradespeople across Virginia:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal costs. Often required to get licensed or win contracts in Virginia.
- Workers’ Compensation Insurance
Covers employee injuries, medical expenses, and lost wages. Required for most businesses with two or more employees.
- Commercial Auto Insurance
Covers vehicles used for business purposes—trucks, vans, trailers—from accidents, theft, and liability claims.
- Tools & Equipment Insurance
Protects your tools, machinery, and gear from damage, theft, or loss—on-site or in transit.
- Builder’s Risk Insurance
Covers buildings under construction and onsite materials from weather damage, theft, or vandalism.
- Professional Liability Insurance
Covers project delays, design errors, and professional oversights that result in financial losses or claims.
Who We Cover in Virginia
ACI works with contractors throughout Virginia—from small trade professionals to growing construction crews:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
Whether you’re working in Loudoun County or on the coast, we’ll help you get the protection you need to stay licensed and secure more work.
How Much Does Contractor Insurance Cost in Virginia?
Several factors influence your monthly premium. Here’s what typically impacts what you pay:
Cost Factors
- Type of Work
Riskier trades like roofing or electrical generally cost more than low-risk services.
- Business Size
Solo contractors often pay less than companies with employees and payroll.
- Coverage Limits
Higher limits offer better protection but raise your premium.
- Claims History
A clean record helps you qualify for lower rates.
- Location & Risk Exposure
Working in high-traffic areas or flood zones may increase costs.
Get a fast, custom quote to see what you’ll pay—based on your trade, risk level, and business size.
Virginia Contractor Insurance Requirements
Virginia contractors must meet specific coverage requirements to stay compliant and protect their business:
General Liability Insurance
Most licensed contractors must carry liability insurance to meet state or contract requirements.
Workers’ Compensation Insurance
If your business has three or more employees, you’re required to carry workers’ compensation insurance under Virginia law.
Commercial Auto Insurance
All vehicles used for business must be insured under a commercial policy—not personal auto insurance.
Requirements may vary by trade and locality—ACI can help you navigate what’s required.
Get a Free Contractor Insurance Quote
in Virginia
Need reliable insurance fast? ACI helps Virginia contractors get covered quickly—with policies tailored to your job, tools, and crew.