Workers Compensation Quote Forms
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Workers Compensation Information
Workers Compensation Insurance in Virginia, Maryland & DC
Get Your Workers Comp Quote in 24 Hours - All Industries Welcome
Protecting your employees and your business starts here. Trans-Atlantic Commercial Insurance provides competitive workers compensation coverage for businesses across Virginia, Maryland, Washington DC, and throughout the Mid-Atlantic region. Whether you employ 1 person or 1,000, we have the expertise and carrier relationships to secure the coverage you need at rates you can afford.
Request Your Free Workers Comp Quote Today
Fast. Simple. Competitive.
📞 Call 703-674-0299 or Get Your Quote Online
✓ Quick turnaround - most quotes delivered within 24 hours
✓ Access to multiple carriers for the best rates
✓ Expert guidance on classification codes and coverage
✓ Pay-as-you-go and installment payment options available
Industries We Insure - Virtually Any Business
At Trans-Atlantic Commercial Insurance, we specialize in workers compensation coverage for virtually any industry. Our 34 years of experience and strong carrier relationships allow us to provide coverage even for hard-to-place risks.
We regularly insure:
- Construction & Contractors: General contractors, electricians, plumbers, HVAC, roofers, framers
- Professional Services: Law firms, accounting firms, consulting, engineering firms, IT companies
- Healthcare: Medical practices, home health care agencies, medical laboratories, dental offices
- Transportation: Trucking companies, logistics, delivery services, courier services
- Manufacturing: Light and heavy manufacturing, assembly operations, warehousing
- Hospitality: Restaurants, hotels, catering, event venues, nightclubs
- Retail & Wholesale: Stores, distribution centers, e-commerce operations
- Non-Profits: Charitable organizations, religious institutions, community services
- Government Contractors: Federal and state contract work, all classification codes
- Agriculture: Farms, wineries, food production, landscaping
- Technology: Software development, IT services, tech startups
- And Many More: If you have employees, we can help
Hard-to-Place Risks? We have solutions for high-risk classifications, new ventures, businesses with claims history, and operations that other agents turn away.
What is Workers Compensation Insurance?
Workers compensation insurance is a critical business coverage that protects both your employees and your company when workplace injuries or illnesses occur. It's not just good business practice—it's required by law in most states when you have employees.
What Workers Comp Covers:
✓ Medical Expenses: Hospital care, surgery, doctor visits, prescriptions, and medical equipment
✓ Lost Wages: Compensation for time away from work during recovery (typically 2/3 of average wages)
✓ Rehabilitation Costs: Physical therapy, occupational therapy, and job retraining if needed
✓ Disability Benefits: Payments for temporary or permanent disability resulting from workplace injury
✓ Death Benefits: Financial support for families if a workplace fatality occurs
✓ Legal Defense: Protection from employee lawsuits related to workplace injuries
What It Doesn't Cover:
✗ Injuries sustained outside of work
✗ Injuries caused by intoxication or illegal drug use
✗ Self-inflicted injuries
✗ Injuries during commission of a crime
✗ Independent contractors (unless specifically added)
Why Workers Compensation is Essential for Your Business
1. Legal Compliance - It's the Law
Most states require workers compensation insurance when you have employees:
- Virginia: Required for businesses with 2 or more employees
- Maryland: Required for businesses with 1 or more employees
- Washington DC: Required for businesses with 1 or more employees
- Delaware: Required for businesses with 1 or more employees
- Pennsylvania: Required for businesses with 1 or more employees
- North Carolina: Required for businesses with 3 or more employees
- South Carolina: Required for businesses with 4 or more employees
- Florida: Required for businesses with 4 or more employees (1 or more for construction)
- Georgia: Required for businesses with 3 or more employees
Penalties for Non-Compliance Can Be Severe:
- Fines ranging from $1,000 to $10,000+ per violation
- Stop-work orders that shut down your operations
- Criminal charges in some jurisdictions
- Personal liability for employee injury costs
- Inability to bid on contracts (especially government work)
2. Financial Protection
The average workers compensation claim costs between $15,000 and $40,000. Severe injuries can exceed $100,000 or more. Without insurance, these costs come directly from your business assets and can be financially devastating.
3. Legal Shield
In most states, workers compensation is the exclusive remedy for workplace injuries. This means employees who accept workers comp benefits cannot sue you for additional damages (with rare exceptions). Without coverage, you're exposed to unlimited liability in civil court.
4. Employee Care & Retention
Providing workers compensation demonstrates your commitment to employee well-being. It ensures injured workers get prompt medical care and financial support, which:
- Improves employee morale and loyalty
- Speeds recovery and return-to-work
- Maintains your reputation as a responsible employer
- Helps attract quality talent
5. Contract Requirements
Many contracts require proof of workers compensation coverage:
- General contractors require it from subcontractors
- Commercial leases often mandate coverage
- Government contracts (federal, state, local) require compliance
- Client agreements may require certificates of insurance
How Workers Compensation Premiums Are Calculated
Understanding how premiums work helps you budget accurately and find opportunities to reduce costs.
The Basic Formula:
Premium = (Payroll / 100) × Classification Rate × Experience Modifier
Key Factors:
1. Classification Codes Every job function has a classification code that reflects its risk level. Office workers have low rates; roofers have high rates. Accurate classification is essential for proper pricing.
2. Payroll Premiums are based on your total payroll (per $100 of wages). Higher payroll = higher premium, but the rate per $100 stays constant based on classification.
3. Experience Modification Factor (Mod) Your claims history affects your rate:
- Mod of 1.0: Average claims history - standard rate
- Mod below 1.0: Better than average - premium discount (e.g., 0.85 = 15% discount)
- Mod above 1.0: Worse than average - premium increase (e.g., 1.25 = 25% surcharge)
New businesses typically start at 1.0 and develop a mod after three years of coverage.
4. State & Industry Factors Rates vary by state due to different regulations, medical costs, and legal environments. Industry risk profiles also impact pricing.
Ways to Reduce Your Workers Comp Costs:
✓ Implement Safety Programs: Fewer claims = lower mods over time
✓ Accurate Job Classifications: Ensure employees are properly classified
✓ Return-to-Work Programs: Light duty options reduce claim costs
✓ Claims Management: Aggressively manage claims to minimize costs
✓ Annual Policy Review: Market conditions change - regular shopping ensures competitive rates
✓ Pay-As-You-Go Options: Pay premiums based on actual payroll, reducing upfront costs and year-end audits
State-Specific Workers Compensation Information
Virginia Workers Compensation
- Who Needs It: 2+ employees
- Governing Body: Virginia Workers' Compensation Commission
- Key Requirement: Must provide coverage for all employees, including part-time and seasonal
- Penalty for Non-Compliance: Fines up to $250 per day, stop-work orders, misdemeanor charges
- Average Rate: Varies by classification, typically $1.50-$3.00 per $100 of payroll for low-risk industries
Maryland Workers Compensation
- Who Needs It: 1+ employees
- Governing Body: Workers' Compensation Commission of Maryland
- Key Requirement: Coverage mandatory even for single-employee businesses
- Penalty for Non-Compliance: Fines, stop-work orders, potential felony charges
- Average Rate: Among the more expensive states, typically $2.00-$4.00 per $100 payroll for low-risk
Washington DC Workers Compensation
- Who Needs It: 1+ employees
- Governing Body: DC Department of Employment Services
- Key Requirement: Strict enforcement with significant penalties
- Penalty for Non-Compliance: $500-$10,000 fines per violation, stop-work orders
- Average Rate: Higher than surrounding states due to urban risk factors
Payment Options That Work for Your Business
We understand cash flow matters. That's why we offer flexible payment options:
Pay-As-You-Go Workers Compensation
Benefits:
- Pay premiums based on actual payroll each pay period
- Eliminates large annual audits and surprise bills
- Improves cash flow management
- Automatic adjustment for seasonal fluctuations
- Integrates with popular payroll systems
Perfect For: Businesses with fluctuating payroll, seasonal operations, or growth-stage companies
Traditional Payment Plans
- Monthly installments
- Quarterly payments
- Annual payment with discount options
- Down payment plans for new businesses
Why Choose Trans-Atlantic Commercial Insurance for Workers Comp?
34 Years of Expertise
We've been insuring businesses throughout the Mid-Atlantic since 1991. Our deep experience means we understand your industry, your state's requirements, and how to structure coverage that protects you properly.
Multiple Carrier Access
We're an independent broker with access to dozens of workers compensation carriers. We shop your risk to multiple insurers to find you the best combination of coverage, service, and price.
Industries We Excel In:
- Construction & Trade Contractors
- Healthcare & Medical Services
- Professional Services & Consulting
- Government Contractors (federal, state, local)
- Manufacturing & Warehousing
- Transportation & Trucking
- Hospitality & Entertainment
- Non-Profits & Religious Organizations
All-Risk Classifications Welcome
Other agents shy away from difficult risks. We specialize in finding coverage for:
- High-hazard classifications
- New ventures without loss history
- Businesses with prior claims
- Hard-to-place operations
- Multi-state employers
Personalized Service
You'll work with experienced professionals who:
- Return calls promptly
- Explain coverage in plain English
- Provide proactive risk management guidance
- Handle claims support when you need it
- Conduct annual reviews to ensure optimal coverage
Multi-State Capabilities
Operating in multiple states? We handle complex multi-state workers compensation programs across:
- Virginia
- Maryland
- Washington DC
- Delaware
- Pennsylvania
- North Carolina
- South Carolina
- Florida
- Georgia
Frequently Asked Questions
Q: How quickly can I get a workers comp quote?
A: Most quotes are delivered within 24 hours. Rush quotes available for urgent needs.
Q: What information do I need for a quote?
A: Business description, detailed job descriptions, estimated annual payroll by job class, prior coverage information, and loss history (if applicable).
Q: Can I get coverage if I have claims history?
A: Yes. We work with carriers that specialize in accounts with prior losses and can often find competitive options.
Q: Do I need workers comp for myself as the business owner?
A: It depends on your business structure and state. Corporate officers can sometimes opt-out; sole proprietors and partners are typically not required to cover themselves but may choose to. We'll advise based on your situation.
Q: What if I use subcontractors instead of employees?
A: You still need workers comp coverage. If your subcontractors don't have their own coverage, their payroll may be charged to your policy. We'll help you structure proper protection.
Q: Can I cancel my policy if I no longer have employees?
A: Yes, most policies can be cancelled with proper notice. You'll receive a return premium for the unused portion (subject to minimum earned premium and cancellation fees).
Q: What happens if I don't have workers comp and an employee gets hurt?
A: You're personally liable for all medical costs, lost wages, and potential legal claims. You'll also face state penalties, fines, and possible criminal charges.
Q: How do I file a claim?
A: Contact us immediately when an injury occurs. We'll guide you through the claims process and work with the carrier to ensure prompt handling.
Get Your Workers Compensation Quote Now
Don't wait until you're facing penalties or an uninsured claim. Protect your employees and your business today.
Three Easy Ways to Get Your Quote:
1. Call Us Directly
📞 703-674-0299
Speak with an experienced workers comp specialist who can answer questions and start your quote immediately.
2. Request a Quote Online
Click Here for Online Quote Form
Fill out our simple form and we'll contact you within hours to discuss your needs.
3. Email Us
Send your business details to RThompson@TCIIns.net and we'll respond promptly with next steps.
Our Service Area
Trans-Atlantic Commercial Insurance provides workers compensation coverage throughout:
Primary Markets:
- Virginia: Richmond, Northern Virginia, Hampton Roads, Roanoke, Charlottesville
- Maryland: Baltimore, Annapolis, Rockville, Frederick, Silver Spring
- Washington DC: All districts and neighborhoods
Extended Markets:
- Delaware
- Pennsylvania
- North Carolina
- South Carolina
- Florida
- Georgia
National Programs Available for businesses with multi-state operations.
Workers Compensation Statistics You Should Know
Understanding the scope of workplace injuries highlights why proper coverage matters:
- 2.8 million nonfatal workplace injuries occur annually in the U.S. (Bureau of Labor Statistics)
- Average claim cost: $15,000 to $40,000 depending on injury severity
- Average premium: $1.25 per $100 of payroll (varies widely by industry and classification)
- Lost work time: Injured employees miss an average of 8 days of work
- Employer costs without insurance: Can exceed $100,000 for serious injuries
- Penalty range: $1,000 to $10,000+ for operating without required coverage
Bottom Line: The cost of workers compensation insurance is minimal compared to the financial devastation of operating without it.
Additional Resources
State Workers Compensation Agencies:
Related Coverage:
Ready to Protect Your Business and Employees?
Every day without proper workers compensation coverage puts your business at risk.
Let Trans-Atlantic Commercial Insurance's 34 years of experience work for you. We'll find you competitive coverage, ensure compliance with state requirements, and provide the personalized service you deserve.
Start Your Quote Today:
📞 Call: 703-674-0299
🌐 Visit: www.TCIIns.net
✉️ Email: RThompson@TCIIns.net
Serving businesses throughout Virginia, Maryland, Washington DC, Delaware, Pennsylvania, North Carolina, South Carolina, Florida, and Georgia since 1991.
Trans-Atlantic Commercial Insurance, LLC is an independent insurance broker specializing in commercial insurance solutions for businesses of all sizes. We are licensed in Virginia, Maryland, Washington DC, Delaware, Pennsylvania, North Carolina, South Carolina, Florida, and Georgia. Workers compensation quotes are subject to underwriting approval and state-specific requirements.
