COMMERCIAL services

Business Insurance for Virginia Contractors, Property Owners & More

Running a business comes with risk. Whether you're managing rental properties, leading a construction crew, or operating a local storefront, we help protect what you’ve built. We offer commercial insurance across Virginia with options designed around your specific industry, not just a generic checklist.

Who We Help

Every business is different — and so are its insurance needs. We work with business owners across industries, including:

  • Contractors & tradespeople (plumbing, HVAC, electrical, etc.)
  • Apartment complex & rental property owners
  • Real estate investors & management companies
  • Retail shops & service businesses
  • Offices & professional services
  • Specialty businesses with unique coverage needs

If you're not sure whether your business fits, just ask. We’ll walk through it with you.

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Coverage Options

We help you sort through the jargon and focus on what matters for your business. Most clients start with these common types of commercial coverage:

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General Liability

Protection from claims involving injury, property damage, or legal defense. Required by many clients, leases, or job sites.

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Workers’ Compensation

Covers medical costs and lost wages for employees injured on the job. Required in Virginia if you have three or more employees.

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Commercial Property Insurance

Covers your building, equipment, and inventory from things like fire, storms, or theft.



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Contractors Equipment Coverage

For tools, trailers, and machinery — especially useful for construction crews and trades.

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Commercial Auto

Covers work vehicles, whether it's a single truck or a small fleet.

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Umbrella Liability

Extra liability protection when a standard policy isn't enough. Good for high-exposure businesses or property owners.

Why Work With an Independent Agent

We’re not tied to one company, which means we can compare options across multiple carriers and find coverage that matches your risk, not someone else’s. Whether you're renewing a policy or starting from scratch, we’ll explain what you’re buying and why it matters.


We also make sure your certificates, proof of coverage, and updates are handled fast — because you’ve got work to do.

Local Experience That Makes a Difference

Based in Richmond and serving clients across the state, we know the Virginia insurance landscape inside and out.


From construction jobs in Central Virginia to apartment buildings in Roanoke or Charlottesville, we understand local risks, code requirements, and job site needs. That helps us build policies that make sense — and hold up when you need them.

FAQs

Got a question? We’re here to help.

  • What types of business insurance do I actually need?

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  • Do I need workers’ comp if I only have part-time help?

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  • What’s the difference between general liability & umbrella coverage?

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  • How fast can I get proof of insurance?

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  • What happens if I buy new equipment or add a location?

    Let us know as soon as things change. We’ll update your policy so there are no gaps in coverage. Whether you’re growing, hiring, or expanding, we make it easy to adjust your insurance along the way.

Let’s Talk Business Insurance

Tell us what kind of work you do, and we’ll show you what coverage fits. No sales pitch — just solid advice and a quick quote when you're ready.