Contractor Insurance

Injuries, pollution, accidental property damage, and other unplanned problems can happen at any time. Without the right partner you can trust to help you mitigate these risks, it could put you out of business in moments. That’s why for the Hammond Team it goes beyond selling you a policy. We assess your risk and recommend the best coverage for your situation.

Our Risk Management Process

Resolving most common issues such as:

    • Workman’s Compensation to protect employers from liabilities rising from employee injury
    • Inland Marine Coverage protecting your property away from your premises  
    • General Liability Coverage resulting from accidental bodily injury or property damage
    • Commercial Auto Insurance to cover your business or your employees from exposure  arising from injury to other people and/or damage to their property
    • Professional Liability covering misinterpretation of plans,  job specifications or performance failure.

As one of the top Contractor Insurance Providers in the Central Virginia area, we service over 200 different Contractors. Our distinct expertise in this industry has made Hammond Insurance the go-to provider for Contractors.


  • General Liability
  • Property Insurance
  • Business Owner Policy
  • Worker’s Compensation
  • Commercial Auto

We work with

  • General Contractors
  • Artisan Contractors (Plumbing, Electricians, HVAC, and many more)
  • Excavators
  • Engineers
  • Developers

Hammond Advantage

  • Knowledgeable Staff with over 25 years in the  Construction Industry
  • One of the Largest selections of contractor programs to fit your needs allowing us to give you competitive rates
  • Quick Response gives you a peace of mind in a crisis situation
  • Fast Claims gets you your money fast and get your business operating again
  • Wide coverage area with 7 locations to serve you
  • Hammond insurance has been a great asset to my family and my companies. Dain and the staff have helped us get through some tough situations quite easily. Its always good to know he's only a phone call away.
    Aaron Ludwig
    Founder, Jack Brown’s Beer & Burger Joint
  • John Giavos
    Whatever type of restaurant, rental property I have or open, Hammond has had the right package for me. I’ve been with them for almost 20 years and through everything, Hammond has been there when we needed them.
    John Giavos
    Richmond Developer and Restaurateur
  • Manuel Mendez
    I consider Hammond part of our team. The restaurant knowledge matched with the array of products for this industry is astounding and invaluable.
    Manuel Mendez
    Richmond Restaurateur, Kuba Kuba, Dos, The Galley and The Little Nickel
  • Gary Crummett
    I’ve partnered with Hammond Insurance Services for over 15 years now. Whether it’s handling the administrative responsibilities with policies and certificates or showing up when there is a loss, Hammond has always been there for my company.
    Gary Crummett
    President Crummett Construction
  • Jim Riedy
    Hammond has consistently delivered superior products, service and a genuine care for my Company. I wouldn’t imagine using another agency.
    Jim Riedy
    CEO, IOTA Solutions
  • Chad Layman
    Hammond has partnered with us for almost a decade now. Their commitment to making sure we are maintaining the most competitive Work Comp and General Liability pricing has kept us competitive on our labor rates. Excellent Partner, I can’t recommend enough.
    Chad Layman
    Founder & Partner of Fine Earth