Workers' Compensation by state

Workers' compensation requirements in Virginia

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Direct answer

Does Virginia require workers' compensation insurance?

Yes. Virginia requires workers' compensation coverage once a business has more than two employees, under the Virginia Workers' Compensation Act. Virginia requires workers' compensation coverage once an employer regularly has more than two employees, counting part-time, seasonal, and temporary workers.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Virginia requires workers' compensation coverage once an employer regularly has more than two employees, counting part-time, seasonal, and temporary workers. Coverage is provided through private insurers or an approved self-insurance program.

Coverage trigger: More than two employees
If you go without coverage: Failing to carry required coverage can bring civil penalties assessed per day of noncompliance and personal liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Employers who regularly employ two or fewer workers
Certain agricultural and horticultural labor below statutory limits
Some domestic servants and casual employees

Statutes and sources

Virginia Workers' Compensation Act

Va. Code Ann. sect. 65.2-100 et seq.

Regulator: Virginia Workers' Compensation Commission . Last verified 2026-07-29 from the official source .

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