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Business Insurance in Virginia

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What are the requirements for small business insurance in Virginia?

State laws can affect which insurance policies you need for your small business. These policies are required for Virginia businesses.
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Workers' compensation insurance

Virginia state law requires businesses with two or more employees, full-time or part-time, to carry workers’ compensation insurance. In the construction industry, businesses with even one employee must provide workers’ comp. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All drivers in Virginia must have a way to pay for injuries or property damage resulting from a car accident even though they are not required to have commercial auto insurance. Minimum car insurance is a way to meet this requirement. Virginia's minimums are $25,000 bodily liability per person, $50,000 bodily liability per person, and $20,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Virginia

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Virginia business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Virginia business insurance

In Virginia, insurance agents, agencies, and brokers are licensed by the Virginia State Corporation Commission's Bureau of Insurance. Insureon is licensed in Virginia as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 128394). You can verify our licensure with the Bureau of Insurance Agency Search by clicking on the "Agency" tab and entering our license number.
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