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. 

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.