Small-business cover in Virginia.
In Virginia, workers’ comp is required at Required for employers who regularly employ more than two employees (3 or more employees)[S]Virginia workers' compensation threshold. Workers' compensation is required once an employer regularly has more than two part-time or full-time employees. Subcontractor employees count toward the employer's total. Contractors are licensed in classes (A/B/C) by project size. Regulated by the Virginia Workers' Compensation Commission (under the Virginia State Corporation Commission).
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Virginia starts with workers' compensation, required at Required for employers who regularly employ more than two employees (3 or more employees), plus the general liability that most clients and licenses ask for before you can take a job.
What does Virginia require?
Required for employers who regularly employ more than two employees (3 or more employees)[C]Virginia workers' compensation threshold
Workers' compensation is required once an employer regularly has more than two part-time or full-time employees. Subcontractor employees count toward the employer's total. Contractors are licensed in classes (A/B/C) by project size. Regulated by the Virginia Workers' Compensation Commission (under the Virginia State Corporation Commission).
What licensing and bonding does Virginia require?
- Class A/B/C contractor licensing is tied to contract/project value
- Subcontractors count toward the employee threshold in many cases