What type of commercial insurance does your company need in Virginia?

The type of commercial insurance coverage you need in Virginia depends on the type of company you have. For example, a service that specializes in tree removal and works with dangerous equipment will have higher risks and different needs compared to a web designer. A contractor who does remodeling work or a contractor who does roofing work has more risks than someone who does flooring installation work. Another detail that can influence the price and types of policies you may need is your company's location and years of experience.

Among the wide variety of products and policies you may need, there are 3 types of commercial insurance policies that most businesses need in Virginia:

1. General Liability (GL) and/or Business Owners (BOP) insurance
2. Commercial Auto (CA)
3. Workers Compensation (WC)

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How much does each commercial policy cost in Virginia?

Currently for most small businesses the minimum price is between $500 to $1,000 depending on the number of employees and payroll of the business.

General Liability Insurance
General liability insurance in Virginia protects your company against accidents caused by your work, judgments, attorney's fees, legal costs and settlements. This is one of the first policies you must have to start working in Virginia.

Business Owner's Policy Insurance ("BOP")
The Virginia business owner's policy combines business liability, business property, business income and equipment damage coverage into one package. It is very similar to a general liability policy but with greater benefits. This type of policy is recommended if you own a restaurant, or a tax or accounting agency.

Business Auto Insurance (Business Auto)
Business auto insurance in Virginia covers damages you or your employees may cause to other people and their property while driving one of your commercial vehicles. Most business auto policies include:

1. Liability coverage
2. Coverage for medical payments
3. Coverage for fire damage, vandalism or theft
4. Collision coverage
5. Coverage against uninsured or underinsured motorists
6. Coverage for rented vehicles
7. Coverage for your employees who use the vehicles for work purposes

Workers Compensation Insurance
Workers' compensation insurance in Virginia is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee's work-related injury or illness. It also covers services necessary to help an employee recover and return to work as soon as possible. In most states, if you have 2 or more employees, (w2 or 1099 employees) you need workers' compensation insurance.

Each policy is customized to your company's needs. We can help you choose the insurance policies that fit you and your budget. You can trust that our experience and expertise will be there for you when you need us most.​

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About us... TJC Team

Commercial Insurance in Virginia including the following cities:

• Winchester​
• Front Royal
• Strasburg
• Woodstock
• Edinburg
• Harrisonburg
• New Market
• Manassas
• Leesburg
• Ashburn
• Sterling
• Fairfax
• Arlington
• Alexandria
• Falls Church
• Herndon
• Reston
• Chantilly
• Centreville
• Woodbridge
• Warrenton
• Culpeper
• Fredericksburg
• Charlottesville
• Staunton
• Lynchburg
• Appomattox
• Roanoke
• Blacksburg
• Christianburg​

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TJC Insurance offers a wide variety of Commercial Property Insurance Products through our various markets. We have access to both Admitted & Non-admitted Great Carriers in Virginia, West Virginia, Pennsylvania, Maryland, DC, North Carolina, South Carolina, Georgia and Florida.
We say YES when other say NO! ​

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Top Classes that TJC Writes
A/C Systems or Equipment  I  Alarms and Alarm Systems
Apartment Buildings  I  Appliances – installation, service or repair  I  Automobile Repair or Service Shops  I  Beauty Parlors and Hair Styling Salons  I  Buildings or Premises (Lessor’s risk only)  I  Carpentry, Carpet, Rug, Furniture or Upholstery Cleaning  I  Caterers  I  Ceiling or Wall Installation  I  Churches or Other Houses of Worship  I  Cleaning or Washing by Pressure Apparatus  I  Communication Equipment Installation  I  Concessionaires  I  Concrete Construction  I  Contractors – subcontracted work  I  Contractors Equipment  I  Day Care Center  I  Debris Removal  I  Door, Window or Assembled Millwork  I  Driveway, Parking Area or Sidewalk  I  Dry Wall or Wallboard Installation  I  Dwellings – Lessor’s risk only
Electrical Apparatus – installation, servicing or repair  I  Electrical Work  I  Excavation  I  Fence Erection Contractors  I  Fire Extinguishers  I  Fire Suppression Systems  I  Floor Covering Installation  I  Florists  I  Garbage, Ash or Refuse Collecting  I  Gas Dealers  I  Gasoline Stations  I  General Contractors  I  Grading of Land  I  Grocery Stores  I  ​

Top Classes that TJC Writes
​Handyperson  I  Heating or Heating and A/C Systems or Equipment  I  Janitorial Services  I  Landscape Gardening  I  Lawn Care Services  I  Machinery or Equipment – installation, service or repair  I  Machinery or Equipment Dealers  I  Masonry  I  Metal Erection  I  Mobile Home Parks or Courts  I  Mobile Home Setup  I  Painting  I  Plastering or Stucco Work  I  Plumbing  I  Prefabricated - Pilates - Building Erection  I  Restaurants /Bars  I  Roofing  I  Sales or Service Organizations  I  Schools  I  Septic Tank Systems  I  Sheet Metal Work  I  Siding Installation  -  Sporting Goods or Athletic Equipment Sales
Stores  I  Swimming Pools  I  Telecommunication Service Providers  I  Telephone, Telegraph or Cable TV Line Construction  I  Tile, Stone, Marble, Mosaic or Terrazzo Work  I  Tree Pruning, Dusting, Spraying, or Trimming  I  Truckers  I  Vacant Buildings  I  Vacant Land  I  Window Cleaning  I  Wrecking – buildings or structures​

EXCESS & UMBRELLAS​
Up to $10,000,000 excess limits​

 GENERAL LIABILITY​
​TJC writes Artisan Contractors, General Contractors and Primary limits up to 5,000,000/5,000,000  (on certain classes) We can write over 1,000 Classes. 

LIQUOR LIABILITY
Stand alone or packaged
Including Bars, Taverns and Restaurants.
Special Events
Short term & Annual Policies Available

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Commercial Small Business Insurance in Virginia: 3113 Valley Ave Ste 100, Winchester, VA 22601