Virginia Business Insurance
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.
Carriers we place in Virginia
- Progressive
- Nationwide
- Travelers
- Employers
- AmTrust
- Safeco
- Bristol West
- Northland
Industries we serve
- Trucking & Transportation
- Contractors & Construction
- Restaurants
- HVAC Companies
- Landscaping
- Electricians
- Auto Service & Repair
Get a free quote or call (321) 206-8035.