Ashburn Workers’ Compensation Insurance

Whether you’re managing a tech team in One Loudoun, running a service business in Brambleton, or overseeing field crews across Loudoun County, protecting your employees is essential. Workers’ compensation insurance helps Ashburn businesses stay compliant with Virginia law while supporting employees after work-related injuries.

Coverage That Keeps Your Team—and Business—Moving

In a competitive area like Ashburn, businesses depend on their people. If someone gets hurt on the job, workers’ comp coverage can help pay for their medical care and lost income—while also protecting your business from lawsuits.

At Pelican Shield Insurance Group, we help businesses across the Ashburn area understand their responsibilities and select coverage that supports both short-term incidents and long-term care when needed.

Why Workers’ Compensation Coverage Is Critical in Ashburn

Employee injuries can lead to downtime, lawsuits, or loss of trust. This policy helps reduce risk and keeps your team supported when it matters most.

Comply With Virginia Labor Law

If your Ashburn business has two or more employees, workers’ comp is required—no exceptions for part-time or seasonal staff.

Cover Medical Bills and Lost Wages

From sprains and strains to serious injuries, this policy helps ensure your team has access to care without delay.

Protect Against Employee Lawsuits

Workers’ comp coverage provides “exclusive remedy” protection, which may reduce your exposure to legal action after an on-the-job incident.

What Ashburn Workers’ Comp Insurance Can Cover

Coverage can be structured for office-based teams, field crews, and hybrid operations depending on your business model.

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Medical Expenses

Pays for doctor visits, surgeries, rehabilitation, prescriptions, and other necessary care after a job-related injury.

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Lost Wages

Offers partial income replacement while an injured employee recovers and can’t work.

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Temporary or Permanent Disability

Provides benefits if an employee is unable to return to work at full capacity or permanently disabled due to a work injury.

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Employer Liability Protection

Covers legal defense and settlements if your business is sued for negligence tied to a workplace injury.

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Death Benefits

Offers financial support to families if an employee passes away due to a work-related accident.

Ashburn Workers’ Compensation FAQs

  • Who is required to carry workers’ comp insurance in Ashburn?

    In Virginia, if you have two or more employees—including part-time or seasonal workers—you must carry coverage. This rule applies whether you’re running a storefront, a tech startup, or a mobile business.

  • What if I only hire independent contractors?

    It depends. If those contractors meet Virginia’s definition of employees, you may still be responsible for providing coverage. Misclassification can lead to fines and denied claims, so reviewing worker roles is important.

  • Does this coverage apply to remote employees in Ashburn?

    Yes. If an employee is working from home or a co-working space in Ashburn and is injured while performing work duties, they may be eligible for benefits.

  • Can I exclude owners or executives from coverage?

    In some cases, yes—owners can apply for exemption, but you must still provide coverage for any qualifying employees. We can help file the appropriate paperwork and confirm compliance.

  • How are workers’ comp premiums calculated in Ashburn?

    Rates are based on your industry classification, payroll size, claims history, and overall risk exposure. For example, a contractor may pay more than a consulting firm, but we help you explore ways to reduce costs without reducing protection.