Small Business Insurance in Virginia

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Understand exactly what insurance you need any why in just seconds

    With numerous insurance policies available to small businesses in Virginia, it is hard to understand what you need. Our online assessment tool lets you see what you need and how popular it is in your industry in no time at all.

  • Enjoy an experience built around our customers’ needs

    Our “best in class” user platform is built for the busy entrepreneur. Request Certificates of Insurance, changes to your policy, or pay your bill from anywhere with a just a few clicks.

  • Meet state minimum requirements for Workers Compensation

    Virginia small businesses are required to carry Workers Comp Insurance when they employ three or more individuals. We can get you coverage same day in most cases so you remain compliant.

  • Personalized service every time

    Whether you call once or once a day, you’ll be treated with the same personalized service every time. We want you to feel at ease when you call, that’s why our team listens and delivers.

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.

BASIC

Essential coverage for your Virginia business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

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
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

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.

Health Insurance

A popular coverage among many businesses with federal laws requiring it today. Employers choose to offer health insurance to make their employees feel valued.

Workers Comp

Virginia requires businesses with 3 or more employees carry Workers Comp Insurance to pay expenses from work-related injuries.

Business Auto

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

Cyber Liability pays the costs to properly notify, manage, investigate, and settle claims when a cyber breach occurs.

Product Liability

If your business makes or sells a physical product to customers, you risk a lawsuit if it fails to deliver or causes harm. Product liability pays expenses from costly recalls along with settlement and defense expenses.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

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The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in Virginia

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA office of Virginia

400 North 8th Street, Suite 1150, Richmond, VA, 23219
Mon through Fri from 8:00 AM to 4:30 PM
(804) 771-2400
Visit the website

Virginia State Corporation Commission

Tyler Building, 1300 E. Main St., Richmond, Virginia, 23219
Mon through Fri from 8:15 AM to 5:00 PM
(800) 552-7945
Visit the website

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