Charlottesville Contractors Insurance

Whether you’re building new homes in Crozet, renovating shops near the Downtown Mall, or doing electrical work in North Downtown, contractors in Charlottesville face a unique mix of jobsite risks and client expectations. At Pelican Shield Insurance Group, we help construction professionals in Charlottesville and Albemarle County find insurance options that support their operations and meet state requirements.

Protect Your Business in Virginia’s Construction Hub

From historic restorations to high-end residential builds, Charlottesville’s building scene brings opportunity—and responsibility. Construction work comes with real liability, and without the right insurance, a single incident could halt your project or affect your bottom line.

We work with general contractors, subcontractors, and skilled trades throughout the Charlottesville area to help secure insurance that supports license requirements, client contracts, and jobsite realities. Whether you’re wiring a house in Belmont or pouring concrete in Ivy, we can help protect your business from unexpected setbacks.

Essential Insurance for Contractors in Charlottesville

From boutique renovations to multi-phase development projects, your work involves real exposure. These are the core policies most contractors in the region rely on:

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General Liability Insurance

Helps cover injury or property damage claims related to your business—whether you’re working on-site or a third party is injured by your operations.

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Workers’ Compensation Insurance

In Virginia, this is required for contractors with two or more employees. It helps cover medical bills and lost wages after a workplace injury.

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Builders’ Risk Insurance

Protects structures under construction from fire, theft, vandalism, and weather events—especially helpful for projects with longer build timelines in the Blue Ridge region.

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Commercial Auto Insurance

Covers business-owned trucks, vans, and trailers used for transporting tools, supplies, and workers to job sites throughout Charlottesville and surrounding towns.

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Tools & Equipment Insurance

Helps replace stolen or damaged tools quickly, so a lost generator or saw doesn’t delay your project or impact your productivity.

Why Charlottesville Contractors Choose Pelican Shield Insurance Group

Support for City & County Permit Requirements

From city projects near Water Street to rural builds in Albemarle, we help contractors meet local certificate of insurance requirements and provide what’s needed for licensing.

Fast COI Turnaround to Keep Jobs Moving

Need proof of insurance for a client in North Garden or to start a framing job in Keswick? We aim for 1-business-day certificate delivery to prevent delays.

Coverage That Evolves With Your Crew or Fleet

Whether you’re adding a new work truck or bringing on a crew for a large job near UVA, we help scale your policy as your business grows.

Charlottesville Contractors Insurance FAQs

  • What insurance is required for contractors in Virginia?

    If you have two or more employees, you must carry workers’ comp. Many client contracts and commercial jobs in Charlottesville also require general liability and auto coverage, even if not mandated by law.

  • Does my liability policy cover subcontractors?

    Often not. Most policies require subcontractors to carry their own insurance and name you as an additional insured. We help you review subcontractor COIs to protect your business and keep coverage valid.

  • What if I work out of my home or truck?

    Even mobile operations need coverage. Whether you’re storing tools at home in Pantops or running estimates out of your truck in Fry’s Spring, we help build a policy that protects your gear and your business wherever it goes.

  • Do I need coverage for small or one-day projects?

    Yes. Even short-term or smaller jobs come with risk. We can explore options for temporary or project-specific policies if you’re not operating full-time.

  • How much does contractor insurance cost in Charlottesville?

    Costs vary depending on your trade, number of employees, and typical job size. A general contractor may pay more than a solo handyman, and jobs in older buildings or historic neighborhoods may come with unique risks that affect premiums.