Virginia's proximity to Washington, D.C., combined with the Port of Virginia and a strong defense sector, creates a unique commercial insurance market. Garzor Insurance serves Virginia businesses from Northern Virginia government contractors to Hampton Roads logistics operations and Richmond-area construction companies.
Why Virginia is different
Coverage for Virginia's government contracting and defense-adjacent businesses
Port of Virginia (Hampton Roads) logistics and trucking specialization
Virginia workers' comp required for 2+ employees — among the lowest thresholds
Commercial auto programs for I-95, I-64, and I-81 corridor fleets
GL and professional liability for Northern Virginia's professional services sector
Understanding of Virginia's strict insurance regulatory environment
Why Garzor Insurance
Expertise in Virginia's government contractor insurance requirements
Strong carrier relationships for Virginia commercial auto and trucking
Fast COI turnaround for Virginia contractors — same-day available
Workers' comp expertise — Virginia's 2-employee threshold means most businesses need it
4.9/5 Google rating — nationally trusted agency
Regulatory notes
Virginia requires workers' compensation for employers with 2 or more employees — one of the lowest thresholds in the U.S. Virginia is a non-compulsory auto insurance state but imposes a $500 uninsured motorist fee. Commercial auto minimum is 25/50/20. Virginia follows contributory negligence — any plaintiff fault bars recovery.