Workers Compensation Insurance in Virginia (VA)

Small Business Coverage and Peace of Mind

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.

Virginia Workmans’ Comp Coverage You Need

Interested in learning more about how EMPLOYERS can help your Virginia business? Request a quote for workers’ compensation insurance from EMPLOYERS!

Thousands of small businesses trust EMPLOYERS for providing cost-effective workers’ compensation insurance for over a century. With our competitive pricing, financial stability and dependability, claims service, safety training and risk advisory programs, EMPLOYERS remains focused on keeping America’s small businesses not only working, but working safely.

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

2. “CNBC ranks Virginia as the top state for business for the third time in five years,” Fairfax County, Virginia Economic Development Authority Press Release, July 13, 2011.

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