Contractors in Richmond face risks every day — from accidental property damage to employee injuries. Two of the most important coverages are General Liability Insurance and Workers’ Compensation Insurance. While both are essential, they cover different risks.
General Liability Insurance
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Covers third-party claims such as property damage, bodily injury, or advertising injury.
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Example: A client trips over your tools at a job site and files a claim.
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Often required by clients and project contracts.
Workers’ Compensation Insurance
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Covers employees’ medical bills and lost wages if they’re injured while working.
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Required in Virginia if you have two or more employees.
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Example: An employee falls from a ladder and needs surgery — workers’ comp pays instead of your business.
Why Contractors in Richmond Need Both
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General Liability protects your business from client lawsuits.
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Workers’ Comp protects your employees and keeps you compliant with Virginia law.
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Without both, a single accident could shut down your business.
At Brett J Allen Insurance Agency, we make sure Richmond contractors get the right balance of liability and workers’ comp coverage. Call us today for a custom insurance plan.
