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Workers' Compensation for Virginia Businesses
What are the laws that govern workers’ compensation insurance in Virginia?
According to the Virginia state website
Workers compensation insurance is required by state law for most employers. Workers’ compensation insurance was established to provide specific benefits to workers injured out of and in the course of their work and to provide employers with a protection from civil suit for work related injuries.
Coverage Requirements:
As a general rule, a business with more than two employees is required to carry workers’ compensation coverage. An employee is viewed broadly under workers’ compensation law and includes part-time, seasonal and temporary workers, minors, trainees, immigrants and working family members.For a contractor or other business that hires subcontractors to assist in their trade, business or to complete a contract, the subcontractors’ employees are included when counting the total number of employees to assess when coverage is required. If the total of the contractor’s employees plus the sum total of subcontractors’ employees is more than two, then coverage is required. This requirement applies regardless of whether the subcontractor has their own workers’ compensation coverage. For additional contractor information read the Contractor Information Sheet. An employer that is not required to carry coverage under the law may obtain coverage voluntarily.
Across State Lines:
Virginia requires Virginia coverage for work performed in Virginia, even temporary work. Virginia does not have reciprocity with any other states. Most employers with coverage based out of state can obtain proper Virginia coverage with the addition of a Virginia endorsement on the existing policy adding Virginia to item 3A of the policy. Virginia listing under item 3C of the policy is not sufficient.No Waiver:
Virginia does not provide a waiver or exemption form for a sole proprietor or other business that is not required to carry coverage under the Act.Officer Exclusions:
An executive officer may reject coverage under the Act with proper notice to the employer and the Commission. For additional information see Officer Exclusion Information.Employer Duties:
Every employer shall keep a record of all injuries or deaths of its employees which occur in the course of employment. An employer should educate employees on injury reporting before an injury occurs and should immediately notify its insurer upon notice of an injury. Employers subject to the Act must also conspicuously post a workers’ compensation notice indicating compliance with the Virginia Workers’ Compensation Act.Dual Regulation:
Workers’ compensation insurance is under dual regulation in Virginia. The Virginia Workers’ Compensation Commission oversees the Act and coverage compliance. To contact the Insurance Department phone: (804) 205-3586 or email: vwcinsurance@workcomp.virginia.gov.The Bureau of Insurance oversees insurance regulation related to premium, pricing, rates and audits. To contact the Bureau phone (804) 371-9185 or email: bureauofinsurance@scc.virginia.gov.
How do I get workers’ comp for my Virginia business?
Workers’ compensation insurance in Virginia can be obtained easily through our free quote service. Once a Virginia employer obtains workers’ comp insurance or authority to self-insure, the employer is required to post a notice of workers’ compensation insurance advising their employees of the coverage and of the employee’s right to reject this coverage. The employer is also required to supply “rejection” forms for employees.
Virginia Statistics*
*2017 business stats provided by the Bureau of Labor Statistics
1.5 million
number of Virginians employed by small businesses
82,978
number of workplace injuries
$78 million
annual tobacco crop value
8
U.S. Presidents
230,000 lbs
peanut butter used weekly to make Girl Scout cookies
Virginia Businesses We Cover with Workers' Comp Insurance

Food & Beverage
Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs
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Tech Services
Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)
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Legal Services
Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription
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General Retail
Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores
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Educational Services
Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services
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Manufacturing
Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)
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Personal Services
Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners
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Clothing Retail
Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops
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Personal Product Retail
Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games
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Medical Professions
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians
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Architecture & Engineering Services
Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)
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Financial Services
Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance
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Scientific Services
Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting
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Office, Home, & Garden
Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists
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Therapeutic Services
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy
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