Can I opt out of Workers’ Compensation coverage in Richmond, Virginia?

In the state of Virginia, most businesses, especially large companies, cannot opt out of Workers’ Compensation coverage. If you own a certain type of business, such as a farm, or are your business’ sole employee, then you may be able to opt out. If you’ve been severely hurt while on the job, you should understand your legal rights and the options you have to stay financially afloat. A Richmond Workers’ Compensation attorney can help.

Although most companies must have Workers Compensation, no matter how big or small, some individuals within the business may not have to be covered, such as corporate officers or certain farm workers.

Even though it sounds as if businesses that do not carry coverage can save a lot of money, employees who work for a company that does not carry Workers’ Comp can sue for negligence if they get hurt on the job. Employees are allowed to sue for medical expenses, lost wages, pain and suffering, and physical impairment, which can cost an employer hundreds of thousands of dollars.

Workers’ Comp is a no-fault, state-mandated law that is currently required in all states except for Texas. In Virginia, it is governed by the Virginia Workers’ Compensation Commission. It began in Virginia in 1919 as a compromise between employees and employers. It is used to help relieve some of the hardship caused by a workplace injury, such as medical bills and lost wages, but it is not intended to provide full compensation.

If you have questions about your responsibilities regarding your coverage after a work injury in Virginia, you should seek the legal help from a Richmond Workers’ Compensation attorney. Contact the Injured Workers Law Firm, who has more than 20 years of experience handling these types of claims: (804) 755-7755 and don’t forget to order our free guide, Ultimate Guide to Workers’ Compensation in Virginia.


About the Author:

The Injured Workers Law Firm is a Richmond, Virginia based firm solely focused on serving clients with workers' compensation claims in Virginia. If you have questions about your benefits or if you would like more information on the Virginia Workers’ Compensation system, order our book, “The Ultimate Guide to Workers’ Compensation in Virginia” , or call our office today (804) 755-7755.