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EMPLOYERS ® - Virginia

The Commonwealth of Virginia has a history older than the United States itself. Jamestown was the first permanent English settlement in North America, and Virginia was home to 5 of the first 10 presidents of the United States. The Old Dominion is not only the birthplace of the United States, it is blessed with natural beauty. From the Eastern Shore to the magnificent peaks of the Blue Ridge Mountains, Virginia is a scenic area of America. As one of Virginia's first European visitors, Captain John Smith, once said, “Heaven and Earth never agreed to frame a better place for man's habitation than Virginia.1

Virginia has an economy with strong ties to the federal government, a burgeoning high-tech industry, numerous venture capital firms, and an agricultural sector with historical roots. Home to 20 Fortune 500 companies, Virginia has been named “the top state for business” numerous times by both Forbes magazine and CNBC. The leading small businesses purchasing workers’ compensation insurance in Virginia include auto repair and service shops, restaurants, hotels, colleges, grocery stores, and physicians.2

Virginia’s business climate is also beneficial to the 140,000 independent businesses. Small firms employ around 1.4 million people in Virginia, about 48% of the workforce.3 Most of Virginia’s independent businesses are small, with less than 20 employees. With its close proximity to the nation’s capital, it is not surprising that  scientific technical services and administrative support make up the two largest small business sectors in the state. These sectors are followed by health care and social assistance, food services, and construction.

Whatever the sector, Virginia employers with three or more full or part-time employees are required by law to carry workers’ compensation insurance. Those with fewer than three employees may voluntarily carry workers’ compensation, and in doing so, employers are protected from paying costly medical bills and defending against lawsuits in the event of an employee injury on the job. Employees are also guaranteed compensation for permanent injuries, lost wages, and rehabilitation.

EMPLOYERS is America's Workers' Comp Specialist®, and it provides Virginia-based businesses with workers' compensation insurance that is cost-effective and affordable. The value added services that EMPLOYERS offers its policyholders include Loss Control Services, Anti-Fraud Programs, and Managed Care Services. 

In Virginia, EMPLOYERS writes policies through  Employers Assurance Company and Employers Preferred Insurance Company.

Interested in learning more about how EMPLOYERS workers' compensation insurance can help your Virginia based small business? Click on the button below to Get Started Now, and an EMPLOYERS-appointed agent will be in touch with you soon.


1) “Greetings,” Virginia Department of Conservation and Recreation, 2014, .

2) Scott Cohen, “Virginia Named America’s Top State for Business in 2011,” USA Today, June 28, 2011, .

3) “Small Business Profile, Virginia,” SBA Office of Advocacy, February 2013,

In Virginia, insurance is offered through Employers Compensation Insurance Company, Employers Assurance Company and Employers Preferred Insurance Company, Not all insurers do business in all jurisdictions.