Workers Compensation Insurance Across 33 States
Trinity Solutions helps employers across 33 states secure workers compensation coverage tailored to their payroll, class codes, operations, and state requirements. In Virginia, most employers with two or more employees are required to carry coverage, and requirements vary in the other states we serve.
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What workers comp covers
Workers compensation covers medical expenses for work-related injuries, lost wages during recovery, disability benefits, vocational rehabilitation, and death benefits for surviving family members. It also protects the employer from lawsuits by injured employees, providing exclusive remedy protection under Virginia law.
How Virginia workers comp is priced
Premiums are based on payroll divided by class codes, each with a rate set by the National Council on Compensation Insurance (NCCI) and approved by the Virginia Workers' Compensation Commission. Your experience modification factor (e-mod) adjusts the premium up or down based on your claims history compared to industry average. A lower e-mod means lower premiums, rewarding safe workplaces.
Common exposures by industry
Hotels face housekeeping and maintenance injuries. Gas stations face slip-and-fall and robbery risks. Restaurants face cuts, burns, and slips. NEMT operators face vehicle accidents and patient handling injuries. Construction trades face falls and equipment injuries. We help you classify employees correctly to avoid overpaying on misclassified, higher-rated codes.
Why an independent agency helps
We shop your workers comp across multiple carriers, monitor your e-mod year over year, and help implement safety programs that reduce claims and lower premiums. For high-risk industries or new businesses without an e-mod, we access surplus lines markets and professional employer organization (PEO) options.
Frequently asked questions
Yes. Employers with two or more full- or part-time employees must carry workers compensation insurance. Construction employers with one or more employee must also carry it. Failure to carry coverage can result in fines, civil penalties, and criminal charges.