Do sole proprietors in Virginia need workers’ compensation? 

A sole proprietor with no employees and no subcontractors generally does not. Virginia does not offer a waiver or exemption form for them. Once you hire a helper or use subcontractors, the rules can change quickly. 

https://workcomp.virginia.gov/content/employers 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.