Virginia requirement guide
General Liability Insurance
This page explains who actually regulates this requirement, when it applies, and what a contractor may need to show on a job or to an inspector.
See this alongside the other 12 Virginia license pages we track.
Start here
What this requirement actually means.
Make sure this is really a license, certification, or training rule, then use the official source for the final call.
Issuing authority
Bond requirement
No
Insurance requirement
No
Last verified
Sep 2026
How to handle it
What to handle first.
- 1
Confirm what rule you are actually dealing with
Check Virginia Bureau of Insurance first so you know whether this is a license, a firm certification, or a training rule before you plan around it.
Open official source - 2
Use the approved training or certification path
Use the official source and its approved providers, trainers, or certifying organizations instead of relying on third-party summaries alone.
- 3
Keep the proof where the crew can find it
Store the card, firm record, or completion proof where you can show it when a jobsite, employer, supplier, or inspector asks.
Detailed notes
The fine print is here.
General Liability Insurance — Virginia
Virginia does not require general liability insurance for a contractor license. The Board for Contractors tests financial position instead, through net worth or a surety bond, and insurance is not part of that test.
Financial position rules (DPOR Board for Contractors):
- Class A (18VAC50-22-60): net worth of $45,000, or a $50,000 surety bond instead
- Class B (18VAC50-22-50): net worth of $15,000 or more, or a $50,000 surety bond instead
Key Points:
- No state GL mandate for contractors
- Coverage limits come from contracts: project owners, general contractors, and lenders set them
- Policy terms and renewal dates are set by the carrier
Official links
Check the board or agency directly.
Required documents
- certificate_of_insurance
Source notes
18VAC50-22-60 (https://law.lis.virginia.gov/admincode/title18/agency50/chapter22/section60/): Class A financial position is net worth of $45,000, or a $50,000 surety bond instead . 18VAC50-22-50 (https://law.lis.virginia.gov/admincode/title18/agency50/chapter22/section50/): Class B net worth of $15,000 or more, or a $50,000 surety bond. Neither rule requires insurance. Re-verified 2026-09-28.
Rules move. Check Virginia Bureau of Insurance again before you pay, renew, or schedule work around this requirement.
Related content
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Next steps
Turn it into a handoff.
Once the rule is clear, these tools help you hand it off cleanly or turn it into a cost plan.
Get reminded 90, 60, and 30 days before your General Liability Insurance expiresPrintable checklist
Virginia requirement checklist
Use the checklist when you need the agency link, required proof, and key notes in one handoff.
Open checklistRequirement planning
Review this requirement setup
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Open plannerKeep this rule handy.
Keep General Liability Insurance links, proof, and notes with the rest of your license work.