Workers’ Compensation Coverage Requirements in Virginia

Workers’ Compensation Coverage Requirements in Virginia

The Virginia Workers’ Compensation Commission exists to serve injured workers, victims of crimes, employers, and all of those in related industries. This is done by providing certain services, resolving disputes, and executing the duties that are expected of them. All employers that are subject to the provisions of Virginia Workers’ Compensation Act are required to provide compensation to their employees in the event that they are injured on the job.

Coverage Requirements

Generally, a business is required to carry workers’ compensation coverage if they have more than two employees. An employee is a broad term under workers’ compensation and includes many people. In Virginia, those covered under workers’ compensation laws include part-time, seasonal, temporary, minor, trainee, and immigrant workers.

This system changes for a contractor or subcontractor that is hired to help with trade or business. If a business hires a subcontractor to perform work for them, the subcontractors’ employees are included in the total number of employees. A contractor with three or more total statutory employees must have coverage even if one or all of the subcontractors have their own coverage.

Crossing State Lines

When dealing with workers’ compensation, it is important to understand if these laws apply out of the state of Virginia. While coverage is required for work performed in Virginia, the state does not reciprocate with other states. However, in some cases, employers with out of state coverage can receive proper Virginia coverage if they add a Virginia endorsement on the existing policy.

Employer Duties

Workers’ compensation may be insured by an employer in several ways. This can be done through a commercial insurer, self-insurance, a group self-insurance association, or through a professional employer organization. It is important to note that commercial insurance is not available through the Virginia Workers’ Compensation Commission, but through an insurance agent or carrier.

Employers are required to keep a record of all injuries or deaths that occur while at work. In addition to this, they should educate their employees on injury reporting. Most importantly, an employer should notify an insurer immediately upon notice of an employee injury.

If you have become the victim of an on the job injury, it may be beneficial to speak with an attorney and the doctor that is treating you to determine how to make the process as easy as possible. AllianceMeds understands that a workplace accident can be challenging and is here to help. We will deliver your medication to your door using overnight delivery and cover any out of pocket expenses that may arise. If you have any questions about how we can help, contact AllianceMeds today.