Workers Compensation

Protect your employees, protect your business.

Accidents happen even with great safety procedures in place. That's why workers’ compensation coverage is smart business. It protects your business assets even as it helps your injured employee with medical expenses and lost wages. Unlike liability insurance, which assumes negligence, workers’ comp is usually paid out regardless of fault. It gives the business and the employee an opportunity to move forward together.

Get required coverage at a competitive rate.

Many employers in Virginia are required to carry workers’ compensation coverage. We offer competitive rates and free certificates of insurance.

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Why does my business need workers compensation?

By law, any employer in Virginia with more than two employees (or three full-time employees for farms) must carry workers’ compensation insurance. The state requires a minimum amount of employers’ liability. Your Virginia Farm Bureau agent can identify the right coverage amounts for your business. A standard policy includes three types of coverage:

Medical Expenses

If your employee is injured on the job, workers’ comp can cover his medical expenses. Most injuries that occur because of an employee’s job during their work tenure are included. This means injuries sustained in physically demanding jobs, such as on a farm or in construction, as well as those that can happen in an office. So if your employee cuts her hand during the work day, this policy will pay for her ER visit to get stitches.

Lost Wages

The majority of an employee's wages that are lost while recovering from a job-related injury are covered. This allows employers to pay temporary help without having to pay two people’s wages simultaneously or stiffing a valuable employee who’s out because of injury.

Employers’ Liability

Workers’ compensation essentially protects employers if they are found liable for their employees’ work-related injuries. This protects employers against a domino effect of liability or negligence lawsuits while still taking care of valued employees.

Your business may need these related products.

Commercial Property Insurance

General Liability

Protect your small business against claims, lawsuits, and judgments caused by accidents or mistakes. Liability coverage makes sure you can maintain credibility in your community by making things right.

General Liability Insurance

Business Owners

Save money and simplify your small business’ insurance by bundling your property, liability, and business income insurance coverage.

Contractors Insurance

Commercial Contractors Insurance

Companies and contractors on the go need more than liability coverage for their mobile equipment. This policy makes sure your mobile equipment and property is covered, no matter where work takes you.

Commercial Umbrella

Commercial Umbrella

This coverage goes above and beyond. If your construction or service contracts require more coverage than available through a general business liability policy, an umbrella policy increases your limits to continue business.

Business Owners

Commercial Auto

If your business involves a lot of driving around town, such as plumbing or a repair service, your business could be held liable in an accident. Make sure you and your employees are covered.

Bundle, simplify, and save.

Ask how you can bundle a workers compensation policy with other critical business insurance products.

Find an Agent

The preceding insurance descriptions contain only a general explanation of available coverages and are intended for informational purposes only and do not replace or modify your individual policy’s provisions and applicable endorsements which control coverage determinations. To learn more about insurance coverage talk to your local Virginia Farm Bureau Agent.