Contractor insurance built for the way you work.
From straightforward artisan contractors to complex and hard-to-place operations, Ford Agency helps Virginia contractors compare insurance options, meet project requirements, protect their equipment and vehicles, and keep work moving.
One agency for the contractor program: liability, workers’ compensation, auto, equipment, builders risk, professional and pollution liability, umbrella and surety.
Explore coverage →Insurance starts with the work you actually perform.
Search or filter the directory. Every trade page explains the details that can change underwriting, coverage and quote preparation.
We may still be able to help.
Try a broader search or send the exact work description through the general contractor quote form.
Tell Us About Your TradeCoverage that follows the business—not just one policy.
Contractor exposures overlap. Ford Agency can organize multiple policies and markets around the same operation.
General liability
Third-party injury, property damage and completed-work discussions.
Learn more →Workers’ compensation
Employee injuries, classifications, payroll and Virginia rules.
Learn more →Commercial auto
Work trucks, vans, trailers, drivers and business use.
Learn more →Tools & equipment
Property that moves between vehicles, storage and jobsites.
Learn more →Builders risk
Project property while construction or renovation is underway.
Learn more →Professional liability
Design, consulting, programming and professional services.
Learn more →Pollution liability
Fuel, chemicals, dust, mold, runoff, refrigerants and more.
Learn more →Surety bonds
License, bid, performance, payment and contractor programs.
Learn more →Straightforward artisan work and operations that need a closer look.
The goal is not to force every contractor into the same program. It is to present the real account to markets equipped to evaluate it.
Clear operations. Efficient submission.
For common artisan trades, accurate work descriptions, exposure estimates, vehicles, equipment and loss history help compare available standard-market options.
- Trade-specific classification
- Coordinated liability, auto and property
- Certificate and endorsement support
More context. Broader market approach.
Roofing, welding, tree work, excavation, pollution, large projects, unusual occupancies or prior losses may call for standard and surplus-lines options.
- Detailed underwriting narrative
- Specialized forms and markets
- Terms reviewed on their individual merits
Keep project insurance requests from becoming guesswork.
Send the written requirement, sample certificate or contract section. Ford Agency can identify the insurance items being requested and process certificates for current clients.
A certificate is generally evidence of insurance. It does not ordinarily amend the policy, and additional-insured, waiver-of-subrogation or primary-and-noncontributory requirements may need policy endorsements.
Include the project details.
- Certificate holder’s legal name and address
- Project name, number and location
- Written insurance or endorsement requirement
- Deadline and delivery instructions
Do not send Social Security numbers, driver’s-license numbers or financial statements through ordinary email.
Contractor knowledge backed by an established independent agency.
Virginia Contractor Insurance is a focused specialty of Ford Agency, Inc.—serving clients since 1935 with real people and a physical Virginia office.
Multiple market access
We can approach appropriate available insurers rather than representing only one company.
Contractor-specific detail
Operations, subs, vehicles, equipment and project requirements are reviewed together.
One agency relationship
Liability, auto, property, workers’ compensation and specialty needs can connect.
Real agency professionals
Phone, email and a Virginia office when the right next step is a conversation.
Organize the account. Approach the right markets. Review the result.
A complete submission can save time and help available markets understand why the account fits.
Tell us about the work
Trade, project types, customers, locations, employees and subcontractors.
Send coverage and requirements
Current policies, loss runs, vehicles, equipment and written insurance requests.
We approach appropriate markets
Standard or surplus-lines options may be explored based on the individual account.
Review and complete
Compare available terms, select coverage, bind when authorized and provide evidence.
Access built for more than one kind of contractor.
Ford Agency works with markets including the companies below. Not every market writes every trade or coverage.
Market and product availability depends on underwriting, state availability, account characteristics and requested coverage. Carrier access does not imply that every carrier is approached or available for every account.
Learn while you build a better insurance submission.
Plain-English explanations for the questions that show up in bids, contracts, audits and daily operations.
Certificates of insurance
Evidence, endorsements and clear requests
Read the guide → Learning CenterAdditional insured
Different from certificate-holder status
Read the guide → Learning CenterPricing factors
What actually shapes contractor premiums
Read the guide → Learning CenterTools in work trucks
Why auto and tool coverage are different
Read the guide → Learning CenterPollution risks
Exposure hidden in everyday operations
Read the guide → Learning CenterInsurance audits
Payroll, subs, records and final premium
Read the guide →Straight answers without the instant-checkout pitch.
Your operation, policy and contract details matter. These answers help frame the next conversation.
The answer depends on trade, employees, vehicles, equipment, contracts and project types. Common discussions include general liability, workers’ compensation, commercial auto, tools and equipment, umbrella coverage, builders risk, professional liability, pollution liability and surety bonds.
There is no reliable one-price answer. Operations, payroll, sales, subcontracted cost, vehicles, equipment values, project size, loss history, limits, deductibles and coverage forms all can affect pricing.
Ford Agency can explore options for new ventures. Trade experience, projected operations, safety practices, vehicles and a clear business plan can help markets evaluate the account. Placement is subject to underwriting.
Yes. Ford Agency can explore standard and surplus-lines options for operations that need a more specialized underwriting approach. The right path depends on the individual account and available markets.
Yes. Ford Agency can coordinate commercial auto with tools, contractor equipment and other property coverage. The policies address different property and exposures, so both should be reviewed.
Start with a detailed description of work, sales, payroll, employees, subcontracting, vehicles, tools and equipment, project types, service area, current coverage, loss runs and requested requirements.
Yes. Existing clients can use the Certificate of Insurance request page . Send the written requirement, sample certificate or contract section when available.
Ford Agency can help with license, bid, performance, payment and other contractor bonds. Surety is different from insurance coverage. Visit the Virginia contractor bond guide to learn more.
Yes. Virginia Contractor Insurance is focused on contractors throughout the Commonwealth. Ford Agency’s physical office is in Hopewell, but the website and agency service are not limited to Hopewell-area contractors.
Send the work, the current program and the requirement.
Tell us what work you perform, where you perform it, and what coverage or insurance requirements you have. We’ll help identify the information needed and explore appropriate options.