Small-business cover in Virginia.
Workers’ comp threshold in Virginia: Required for employers who regularly employ more than two employees (3 or more employees)[S].
Updated 2026-05-16 · Beaconcover editorialThe short answer: In Virginia, workers' compensation is required for employers who regularly employ more than two employees (3 or more employees). Most clients and licenses also ask for general liability 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]
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