workers' compensation
Workers’ Compensation Insurance for Central Virginia Businesses
If you have employees in Virginia, there’s a good chance you’re legally required to carry workers’ compensation insurance. We help businesses across Central Virginia stay compliant — and take care of their people when something goes wrong on the job.
What It Covers
Workers’ compensation insurance helps cover:
- Medical expenses after a work-related injury
- Lost wages while the employee recovers
- Rehabilitation or ongoing care
- Death benefits for the worker’s family (in worst-case situations)
This coverage protects both your employees and your business — especially if you face a claim or dispute.
Virginia Requirements
In Virginia, you’re required to carry workers’ comp coverage if you have
three or more employees, including part-time and seasonal workers. This applies to most businesses, regardless of your industry or job type.
Why It Matters
A single injury can cost thousands in medical bills, lost wages, and legal fees. Workers’ comp helps you manage those risks — and shows your team that you’re serious about their safety and well-being.
Having the right policy in place also helps avoid fines, lawsuits, and delays when working with vendors or clients who require proof of coverage.
What We Help With
- Setting up a policy that fits your payroll & risk level
- Adjusting coverage as your business grows
- Handling audits or class code changes
- Getting certificates of insurance when needed
If you’ve never bought a workers’ comp policy before — or if yours is due for a review — we’ll walk you through every step.
Bundle It With Other Coverage
Many of our clients combine workers’ comp with:
General liability insurance
Commercial property coverage
Commercial auto
Umbrella liability
We’ll help you sort out what’s required, what’s smart, and what can wait.
Get Help With Workers’ Comp
We’ll help you stay compliant, protect your employees, and keep things moving. Contact us to start your quote.