Virginia Retail Stores businesses pay $69–$288/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Virginia Beach | $79–$331/mo | Compare → |
| Norfolk | $76–$317/mo | Compare → |
| Chesapeake | $76–$317/mo | Compare → |
| Richmond | $79–$331/mo | Compare → |
| Newport News | $75–$311/mo | Compare → |
| Alexandria | $93–$389/mo | Compare → |
| Hampton | $75–$311/mo | Compare → |
| Roanoke | $69–$288/mo | Compare → |
| Portsmouth | $72–$302/mo | Compare → |
| Suffolk | $72–$302/mo | Compare → |
| Fairfax County | $97–$403/mo | Compare → |
| Prince William County | $83–$346/mo | Compare → |
| Loudoun County | $93–$389/mo | Compare → |
| Chesterfield County | $76–$317/mo | Compare → |
| Henrico County | $79–$331/mo | Compare → |
| Arlington County | $97–$403/mo | Compare → |
| Montgomery County | $69–$288/mo | Compare → |
| Roanoke County | $69–$288/mo | Compare → |
| Stafford County | $79–$331/mo | Compare → |
| Spotsylvania County | $76–$317/mo | Compare → |
Retail Stores businesses in Virginia typically pay $69–$288/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Virginia requires workers' compensation for most employers with at least one employee. Retail Stores businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Retail Stores businesses, key covered scenarios include: Customer slip and fall in store; Product liability from sold merchandise; Employee injury during stocking.
Top exposures: (1) Customer slip and fall in store, (2) Product liability from sold merchandise, (3) Employee injury during stocking, (4) Shoplifting and employee theft.
Top carriers in Virginia for Retail businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Retail Stores policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Virginia cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.