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Get Small Business Insurance in Virginia

biBERK is trusted by many companies for small business insurance in Virginia. We provide flexible policies to protect you from the many types of risk Virginia businesses face.

Virginia Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp insurance in Virginia to suit your business.

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Virginia General Liability Insurance

Also known as commercial liability insurance, general liability insurance in Virginia is essential coverage. It covers damages and legal and medical costs associated with injury claims to customers and other people who aren’t your employees. A common example of an injury to a non-employee is a slip-and-fall accident at your business location. General liability insurance also covers damage to other people's property that was caused by your business. In addition, it covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Virginia Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Virginia Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this type of liability insurance in Virginia could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). For example, if you’re a home inspector and you fail to complete a standard part of an inspection and the buyer suffers financial damages as a result, you may be covered if they sue you. You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Virginia Umbrella Insurance

This type of business insurance in Virginia can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Virginia Umbrella Insurance

When buying business insurance in Virginia, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in Virginia, Including:

  • Accountants
  • Aircraft operations
  • Auditors
  • Auto body repair shops
  • Auto service and repair centers
  • Barber shops and beauty parlors
  • Building electrician services
  • Building moving companies
  • Building raising companies
  • Building operations
  • Building owner operations
  • Cabinet and trim installers
  • Carpentry services
  • Charitable and welfare organizations
  • Clerical services for physician offices
  • Concrete construction companies
  • Concrete driveway installers
  • Floor and carpet installations
  • Full-time housekeepers
  • Furniture storage warehouses
  • Health care companies
  • Heating and air companies
  • Home healthcare companies
  • Indoor ceramic tile, stone, and marble installers
  • Landscaping and gardening services
  • Local trucking companies
  • Long-distance trucking companies
  • Mail delivery services
  • Masonry services
  • Office clerical services
  • Painters and wallpaper installers
  • Park operations
  • Plumbing services
  • Residential contractors
  • Restaurants
  • Retail stores
  • Sales and collection services
  • Towing companies
  • Welding and metal cutting companies
  • YMCAs and YWCAs

Why biBERK for Business Liability Insurance in Virginia?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.


Why is biBERK Better for Small Business Insurance in Virginia?

We’re often less expensive and easier to do business with than other business insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow. 

Small Business Insurance in Virginia—Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Richmond, VA
  • Business insurance in Charlottesville, VA
  • Business insurance in Harrisonburg, VA
  • Business insurance in Fredericksburg, VA
  • Business insurance in Williamsburg, VA
  • Business insurance in Norfolk, VA
  • Or anywhere in Virginia!

What do biBERK Customers Say?

What Coverage is Required for Virginia Small Businesses?

Workers' Compensation

Every business with more than two employees is generally required to carry Virginia workers’ comp insurance. This includes part-time, seasonal and temporary workers, minors, trainees, immigrants, and working family members. It also includes subcontractors, even if those subcontractors carry their own insurance. You can receive substantial fines and criminal penalties if you’re required to have workers’ comp insurance in Virginia but don’t carry it.

Special Considerations for Virginia

Many locations in Virginia are exposed to damages from a large hurricane. In 2003, Hurricane Isabel caused up to $2 billion dollars in damages. A business owners policy is the only way to protect your business from the costs associated with hurricane damage.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in Virginia?

The cost of business insurance in Virginia depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Determine your cost for liability insurance in Virginia with instant online quotes.

Small Business Insurance in Virginia in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for small business insurance in Virginia and save up to 20%.