As a general rule, businesses with more than two employees must carry workers compensation insurance in Virginia. That includes part-time, seasonal and temporary workers, minors, trainees, immigrants and working family members. For contractors or other businesses that hire subcontractors, the company must include subcontractor employees as part of the headcount applied to workers comp requirements, even if the sub has its own workers compensation coverage.
Fieldale Insurance Agency is Virginia through and through, and we know the commonwealth’s laws and requirements. Our insurer partners offer innovative workers compensation solutions tailored to the needs of each of our different clients. Those include:
Each of these is designed to meet different needs, and it is critical that your program be constructed correctly, including getting wage and hour measurements and employee classifications right.
As part of an excellent workers comp program, we offer reviews of your experience modification factor, which is a composite measurement of your claims history. Errors in that can lead to incorrect premiums—an unwelcome and costly surprise when they are discovered.
Fieldale works with the nation’s best insurers, which provide loss control programs, return-to-work programs, case management, prescription medication controls and self-audit assistance, among other excellent loss mitigation efforts that benefit policyholders and their employees. We also make sure your out-of-state activities are covered, so tell us about all current cross-border operations or any you plan on integrating.
A safe and healthy workplace is of benefit to all, and Fieldale is proud to be a leader in helping local businesses protect employees and their families from work-related tragedies.
Contact us at 276-673-6701 (Fieldale) or
276-632-3451 (Martinsville) expedited quote or service, or stop by and visit us.