All Your Insurance Needs at a Competitive Price
We know our members and Virginia’s residential construction industry better than anyone. With exclusive insurance carriers and products designed specifically for Virginia home builders and suppliers, we provide HBAV members with comprehensive coverage — using the power of our group to secure rates no individual could negotiate alone.
4
Coverage Programs
Statewide
Partner Network Coverage
Preferred
Pricing for HBAV Members
50
Employee Benefits Offered
Insurance That Works as Hard as You Do
Member-exclusive coverage built for Virginia's residential construction industry — from the ground up.
We Know Your Business
We know our members and Virginia’s residential construction industry better than anyone. Our insurance carriers offer products designed specifically for home builders and suppliers — not generic commercial policies that leave gaps in your coverage.
Group Power, Individual Savings
By pooling Virginia’s 3,200+ member companies, we negotiate rates that no single business could achieve alone. Our group programs give small businesses access to the same quality coverage as much larger organizations.
Your Premiums Work For You
When you insure through HBAV, your investment goes toward industry advocacy, member support, and education. When you do business with the HBAV Insurance Agency, you do business with yourself and your fellow builders and suppliers.
Full-Spectrum Coverage
From general liability and builders risk to employee health benefits and personal lines, the HBAV Insurance Agency covers your business, your employees, and your family — all through trusted partner relationships built for Virginia’s construction industry.
Employee Benefits
Powered by OneDigital & WiseChoice Healthcare Alliance
Being part of a larger group gives small businesses access to competitive, predictable rates and quality benefits through one of the largest national healthcare networks. Expanded access to innovative tools, programs, and services empowers employees to make more informed healthcare decisions that can improve their health and lower overall group healthcare costs.
Eligibility Requirements
- Employers with 2-5 employees
- Company HQ in Anthem service area
- HBAV member in good standing
- 75% of eligible employees must be covered
- Employer must contribute at least 50% of individual employee rate
Ritter Jonas
Group Medical
Group health coverage through one of the nation’s largest networks. Access competitive rates not available to individual small businesses.
Dental, Vision & Disability
High-value dental, disability, and vision plans throughout Virginia. Stand-alone fully insured plans available at discounted rates.
Life Insurance
Whole, term, and universal life products for individuals and groups. Protect your employees and their families.
Supplemental Benefits
Add voluntary employee benefits at group-discounted rates to businesses as small as three employees — at no direct cost to your business.
Short-Term Disability
Employee-paid short-term disability plans that help cover medical expenses during sickness or injury.
WiseChoice Alliance
A self-funded group plan where your business shares overall claims risk with other small companies, plus stop-loss financial protection.
Builder & Business Insurance
Powered by Premier Insurance
General Liability
Foundation coverage for your business operations. Protects against third-party bodily injury, property damage, and personal injury claims.
Builders Risk
Coverage for structures under construction. Protects your projects from the ground up through completion.
Workers Compensation
Required by Virginia law for most employers. Covers employee injuries and lost wages so your business stays protected.
Business Auto
Fleet and vehicle coverage tailored for residential contractors. Covers company vehicles, equipment transport, and more.
Bonds
Performance & Payment, Erosion & Sediment, and Right of Way bonds for contractors who need them for licensing or project requirements.
Personal Lines
Home, auto, umbrella, boat, ATV, and golf cart coverage — because HBAV members deserve the same group advantage in their personal lives.
Premier Insurance
Burton & Company
Find Your Insurance Representative
Select your county or city to see your dedicated HBAV Insurance rep.
What Our Members Say
Hear from the builders and industry professionals who make HBAV strong