Small Business Insurance in Virginia
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Coverage Plans for All Your Needs
Starting a business in Virginia opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Virginia business
General LiabilityInstant quote »
- Bodily Injury
- Damage to third party property
- Personal Injury
When you also have at least one employee
General Liability + Property and Workers Compensation (WC)
* Plus Workers Compensation
All standard plan benefits and:
Coverage for work-related accidents and diseases and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Legal fees
We've Got You Covered with Coverage You Need
Whether you’re looking to satisfy Virginia requirements with Workers comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Business Owner’s Policy
A combination of general liability and commercial property insurance on one policy so you are protected from the most popular types of claims.
A popular coverage among many businesses with federal laws requiring it today. Employers choose to offer health insurance to make their employees feel valued.
Virginia requires businesses with 3 or more employees carry Workers Comp Insurance to pay expenses from work-related injuries.
Protect your business from large payouts in the event you or one of your employees is at fault for an auto accident while driving for business purposes.
Cyber Liability pays the costs to properly notify, manage, investigate, and settle claims when a cyber breach occurs.
Frequently Asked Questions
Why do I need insurance for my Virginia small business?
When you start a business, you risk lawsuits from upset individuals. Unless you have substantial financial resources, businesses need to insurance to pay the high costs of defending and settling claims.
What types of insurance do I need to buy in Virginia?
Every business is different, but we recommend starting with General Liability and Commercial Property or a Business Owner's Policy depending on your size.
Do I need to purchase Workers Comp Insurance in Virginia?
Virginia requires businesses with 3 or more employees (full or part time) carry Workers Comp Insurance. If you don’t, you risk serious fines from the state.
How much does small business insurance cost in Virginia?
Depending on your size, industry, and experience business insurance can cost $99 per month and up. It’s best to request quotes from multiple carriers so you compare costs and coverage.
I have employees drive their personal vehicles, do I need special insurance?
Yes. If employees drive their own vehicles, they won’t have coverage under their personal policy for business driving. You need to purchase Hired & Non-Owned Auto to cover accidents.
Peace of Mind, At Your Fingertips
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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