Contractors Insurance
in Virginia

Hampton Roads Insurance is proudly providing contractors insurance solutions to residents across all parts of Virginia.

Get a Quote

Send us your information for a free quote!

Hampton Roads Insurance

Contractors Insurance in Virginia

What is contractors insurance?

For contractors in Virginia, the work of building and other construction is fraught with perils. From worksite damage to stolen equipment, contractors need insurance that protects against many different risks. Contractor’s insurance generally does just that.

Contractor’s insurance provides a wide range of protections that are tailored for contractors. The policies can often be customized to align with a contractor’s specific risk exposure.

Contractors Insurance Virginia

Which Virginia businesses should have contractor insurance?

The majority of contractors in Virginia should have a policy that includes contractor liability insurance and other coverage types. This applies to general contractors as well as more specialized contractors. A policy could be helpful for:

  • General contractors and developers
  • New construction crews
  • Remodeling crews
  • Demolition crews
  • HVAC, electrical, and plumbing professionals
  • Roofers, carpenters, and masons
  • Hardscaping specialists
  • Others in construction or the trades

While many of these businesses should have some form of contractor policy, there isn’t a specific policy that’ll suit everyone’s coverage needs. An insurance agent experienced in contractors liability insurance can help with finding a contractors policy that’s well-suited for protecting your particular business.

What insurance coverages are available to contractors?

Contractor policies offer a variety of protections. Some of the more common coverages usually included in these policies are:

  • General Liability Coverage: This may cover commonplace accidents that cause harm to a third party, possibly including accidents occurring at a contractor’s location or a worksite.
  • Commercial Umbrella Coverage: This may offer additional liability protection for legal claims that exceed the limit of general (or other) liability coverage.
  • Commercial Property Coverage: This may cover tools, equipment, supplies, racks, furniture and electronics kept at a contractor’s location.
  • Inland Marine Coverage: This may cover tools, equipment and supplies during transportation to and from worksites.
  • Contractors Equipment Coverage: This may cover tools, equipment and supplies stored at worksites.
  • Equipment Breakdown Coverage: This may cover unexpected malfunctions of vital equipment that need to be immediately repaired.

Contractors liability insurance coverages typically pay the legal costs and settlements associated with covered claims. Payments usually begin as soon as a covered claim is filed, enabling contractors to get legal help before any claim is settled or ruled on.

A specialized insurance agent can provide more detailed explanations about various contractors liability insurance coverages and other coverages.

What type of commercial auto coverage should contractors get?

Along with the coverages mentioned above, most contractors also require some form of commercial auto coverage for their work trucks. There are several different auto coverage options that contractors might use:

  • Personal Auto Policy: Small contractors who are self-employed may be able to add minimal commercial auto coverage to their personal auto policy. This option is suitable in only limited cases, but is often the most affordable solution when it is sufficient.
  • Commercial Auto Policy: Contractors with one or two smaller vehicles may want a commercial auto policy. This is a generally good option for insuring light trucks, duallys and vans, if they’re registered commercially and owned by the business.
  • Commercial Truck Policy: Contractors with larger trucks may need a commercial truck policy. This is frequently used to insure larger box trucks, lowboys, concrete mixers, dump trucks, tractor-trailers and similar vehicles.
  • Commercial Fleet Policy: Contractors with five or more commercial vehicles might find that a fleet policy is the best option. These policies can usually cover multiple vehicles with expansive and cost-effective protections.
  • Hired and Non-Owned Policy: A hired and non-owned policy might cover employee vehicles or rented vehicles. This could be useful if employees use their personal cars or trucks when going to/from worksites.
Contractors Insurance Virginia

How can Virginia contractors get contractors insurance policies?

If you’re a contractor in Virginia and need help finding the right contractor’s insurance, contact the independent insurance agents at Hampton Roads Insurance. Our agents are dedicated to working closely with you as you find the best policy for your business.

Working hours

Open | Mon-Fri 8 am-4:30 pm

Closed | Sat-Sun & Holidays

Our location

11024 Warwick Blvd

Newport News, Virginia 23601

Social profiles

Contact us!

Reach out to the Hampton Roads team today for any questions or insurance quotes!