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Workers’ compensation insurance covers employees who have been injured on the job or in work-related auto accidents. It also covers work-related illnesses. At All Insurance Services, we’ll work with you to find a solution that creates a safer and more productive workplace.

Workers’ compensation insurance is a type of insurance that covers medical bills and lost wages for employees who are injured on the job. It also pays benefits to dependents if an employee dies as a result of their injury. Here’s why workers’ compensation in Virginia is essential and how All Insurance Services can assist you in choosing the proper coverage.

What You Should Know About Workers’ Comp Insurance in Virginia

The Virginia Workers’ Compensation Act was established by state statute in 1918. The goal was to provide injured workers with an affordable and efficient solution to getting compensated for injuries they attained while at work. In Virginia, the average cost for workers’ comp insurance is 74 cents per $100 of payroll. Workers’ comp insurance benefits in Virginia can include:

  • Temporary total benefits
  • Temporary partial benefits
  • Permanent partial benefits
  • Total and permanent disability
  • Cost of living adjustments and travel expenses
  • Lifetime coverage of travel expenses

Workers’ Comp Insurance Laws in Virginia

In Virginia, a business must carry workers’ comp insurance if they have more than two employees. Part-time, full-time, seasonal, and temporary workers are all considered employees under this law. Virginia workers’ compensation laws also state:

  • Out-of-state workers are covered
  • LLC members are normally not considered employees
  • Employers must cover subcontractors’ employees

Where Can I Purchase Workers’ Comp Insurance in Virginia

In Virginia, you have four options for purchasing workers’ comp insurance. Those options include:

  • Commercial carrier
  • Professional employment organizations
  • A self-insurance group
  • Self-insure

No matter how you purchase workers’ comp insurance, if you have more than two employees, Virginia law states you must have some form of workers’ comp. Need workers’ comp insurance for your business in Virginia? Contact All Insurance Services today at 919-779-5115.

Let’s discuss your workers’ compensation insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate workers’ compensation insurance solution. There’s no obligation, just good-old-fashioned advice.
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All Insurance Services offers comprehensive workers’ compensation insurance throughout all of North Carolina, South Carolina and Virginia including, Benson NC, Clayton NC, Raleigh NC, Fuquay Varina NC, Holly Springs NC, Cary NC, Chapel Hill NC, Garner, NC, Greenville NC, Greenville SC, Spartanburg SC and Columbia SC.