Worker’s Compensation

Workman’s Comp Policies

Our Worker’s Compensation Insurance Policies are There to Protect Your Business’ Assets

Workers’ compensation insurance—commonly called workers’ comp—is an often-mandatory type of insurance that protects both your employees and your company if an employee experiences an injury or disease while at work.

Having a workers’ comp policy through Ford Insurance protects small-business owners if unexpected accidents happen, such as:

  • Strains or sprains
  • Broken bones
  • Trips and falls
  • Unsafe working conditions
  • Disease
  • Accidental death

Workers’ compensation insurance helps pay the bills related to a work-related injury, disease or death, including medical care and lost wages. In return, you’re protected as a business owner if other issues come up

Does My Virginia Business Need to Have Workman’s Compensation Insurance?

The short answer is yes.

Workers’ Compensation Virginia law requires that most employers carry workers’ compensation insurance in place to cover their workers in the event of a work injury.

Workman’s comp policies provide protection for both employers and employees.

For the employer, it shields the employer from a civil lawsuit. For the injured worker, it provides prompt but limited benefits.

When is a Virginia Employer Required to Have Workman’s Compensation Coverage?

Virginia law requires an employer who employs three or more part-time or full-time employees to have a Virginia workers’ compensation policy in place.

When a business hires a subcontractor to perform the same trade, business or occupation, or to fulfill a contract of the business, the subcontractor’s employees are included in determining the total number of employees.

For those employers required to have coverage, it is mandatory, there are no waivers and no exceptions.

How Do I Get Workman’s Compensation Coverage in Virginia?

Here in the Hampton Roads area, we specialize in workman’s compensation insurance.

We will help you determine if you meet the requirements and must have a workman’s comp insurance policy. We will then walk you through` the process of getting insured immediately.

Are There Penalties If a Business Does Not Have Workman’s Compensation Coverage?

Yes. In the state of Virginia, an employer that fails to have a workers’ compensation policy shall be assessed a civil penalty of up to $5,000.

Let us help you avoid expensive lawsuits and unnecessary fines. Call us today and we will get you a workman’s compensation policy that fits your businesses’ needs.

One call to Lee
is all you need!

Lee Mahaney

Worker’s Compensation Expert

(804) 914-3826
Email Lee

Should you need to use your Worker’s Compensation Insurance policy, we will be right there with you. We will walk you through the process of getting the coverage your policy offers. We remove the stress of getting the funds so you can deal with the issue at hand. When you work with us, you are working with a family whose goal is to protect you and your business.

Eligible Classes:

Accountants/Bookkeepers/Actuaries Adult Day Care Centers Apartments Architects, Engineers Art Gallery Auctioneers Auto Repair Service Barber Shop Bars & Night Clubs Beauty Salon Bed & Breakfasts Burglar, Fire, Security Alarm Contractor Car Wash Carpentry Contractors Caterers Cemeteries Churches/Houses Of Worship Civic Organizations Clothing Store Collection Agencies Colleges/Schools Computer Consulting Concrete Contractor Condominiums Consultants Convenience Stores Copying And Duplicating Service Counseling Services Country Clubs Craft Breweries Daycare Dental Laboratories Dentists Diagnostic Testing Labs Distributors Document Shredder Drywall Contractors Electrical Contractors Employment/Staffing Agencies Equipment Repair Service Excavation Contractors Fence Erection Floor Covering Food Banks Funeral Homes General Contractors Glass Dealer & Glaziers Golf Courses Goodwill Programs Graphic Designers Grocery Store Gyms Hardware Store Health And Fitness Centers Home Health Care Service Hospice Care Hotels Hotels/Motels Hunting/Gun Clubs Hvac Contractors Inspectors/Appraisers Insurance Agencies Janitorial Contractors Jewelry Store Landscape Contractors Laundromats Laundry & Dry Cleaning Law Offices Lawn Service Lessors Risk Buildings Locksmith Manufacturers Marinas Masonry Contractor Medical Offices/Physicians Mobile Concession And Food Trucks Mortgage Brokers Nail Salon Optometrists Painting Contractor Pawn Shops Pest Control Pet Boarding Pet Groomers Pet Trainers Pharmacies Plumbing Contractors Pool Services Portable Toilet Rentals Printers Process Servers Professional Trade Associations Property Managers Real Estate Agencies Recycling Operations Rental Dwellings Restaurants Roofing Safety Services Salvage Yard Sand And Gravel Hauling Self Storage Facilities Septic Contractors Shoe Store Snow Removal Social Services Street And Road Construction Tree Services Trucking Vape Store Vending Operations Veterinarians Warehouses

Get a Quote

Send us an email and we will contact you promptly to ask you a series of questions to learn more about your protection needs. Based on your line of work, cost of your services, and clientele, we will create the perfect plan for you together.

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