Contractors Insurance that keeps your jobs moving.

Not sure if your coverage meets job or contract requirements?

Contractors and skilled trades professionals often need to show proof of insurance before starting a job, signing a contract, or working with a new client. Many worry about whether their policy meets requirements or if missing coverage could delay work. GFH Insurance Agency helps contractors across Richmond and Central Virginia build coverage that aligns with real job demands, including fast certificates of insurance when you need them.

Common coverage types for contractors.

Shield outline with a checkmark icon inside, in black on a white background
General Liability Insurance

Helps protect your business from third-party claims involving injury or property damage on a jobsite.

Outlined shield with a check mark icon
Completed Operations Coverage

Provides protection for claims related to work after a project is finished.

Black outline shield with a checkmark inside on a white background
Workers Compensation Insurance

Often required in Virginia when you have more than two employees, including certain subcontractor scenarios.

Black shield with a checkmark icon indicating security or verification
Tools and Equipment Coverage

Helps protect tools and equipment used on job sites or in transit.

Black outlined shield with a checkmark inside, symbolizing security or verification
Commercial Auto Insurance

Covers vehicles used for work-related activities.

Home Insurance

Health Insurance

Auto Insurance

Life Insurance

Crop Insurance

Farm Insurance

Ranch Insurance

Commercial Insurance

Understanding Workers Comp requirements in Virginia.

Workers compensation rules can be confusing, especially when subcontractors are involved. In Virginia, businesses with more than two employees are generally required to carry workers compensation coverage. In some cases, subcontractor employees may be included in that count, depending on how work relationships are structured. Reviewing your setup helps ensure you meet requirements and avoid compliance issues.

Black-and-white icon of a laptop with a question mark on the screen

Your questions, answered clearly.

  • Do contractors need workers comp in Virginia?

    In general, businesses with more than two employees are required to carry workers compensation insurance. This can include certain subcontractor situations depending on how work is structured.

  • How do I get a certificate of insurance for a job?

    Once your policy is active, a certificate of insurance can be issued showing your coverage details and any required additional insured wording for your client or project.

  • What does general liability cover for contractors?

    General liability helps protect against claims involving property damage or injuries caused to others during your work.

  • Can my coverage be adjusted for different projects?

    Yes, policies can often be updated or adjusted based on the size, scope, and requirements of your jobs.

Get Coverage That Works as Hard as You Do

Contractor insurance should help you meet job requirements, protect your business, and keep work moving forward without delays. GFH Insurance Agency provides clear guidance, flexible options, and local support for contractors across Central Virginia.