Workers Comp Rates in Virginia (VA)

Virginia workers comp rates are approximately 8% below the national average. Here's what Virginia business owners need to know about classification and premiums.

Virginia Workers Comp Overview

Virginia requires coverage for businesses with 2+ employees. Rates are below the national average. The state uses NCCI classifications and has a competitive insurance market.

How Virginia Rates Compare

With a state modifier of 0.92x, a business in Virginia paying $10,000 in base premium nationally would pay approximately $9,200 in VA. This makes proper classification even more important in Virginia — every misclassified employee costs more.

The most impactful thing a Virginia business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In VA, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Virginia rates and requirements are subject to change.