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Workers’ Compensation

That Puts Members First

Experienced claims support with real people - no call centers.

Virginia Commerce Group Self-Insurance Association (VCGSIA)
We are a member-owned, locally governed alternative to traditional workers’ compensation insurance. We’re built around stability, safety, and shared success with real people you can talk to every time you call.
Why Members Choose Virginia Commerce:
  • Member-governed, locally administered coverage
  • Predictable costs without the ups and downs of traditional carriers
  • Strong focus on safety and loss control
  • Surplus funds returned to members as dividends
  • Experienced claims support with real people — no call centers
A Different Kind of Workers' Comp
Virginia Commerce is owned and operated by its members: Virginia retailers, wholesalers, and service businesses that band together to control risk and strengthen their financial outcomes.
Since 1982, our mission has been to offer a stable, cost-effective, member-oriented alternative to traditional insurance where success and safety go hand in hand.
Workers' Compensation Insurance
Protection That Works Like You Do
Virginia Commerce offers a group self-insurance option that mirrors traditional coverage in protection but with more control and a focus on transparency and total cost management.
Members pay assessments based on payroll and loss experience, which are invested until needed for claims. When funds aren’t needed for claims, members may receive a return of surplus funds based on performance.
Hear from our longtime clients...
Jonathan Phares
The Commonwealth Club
Chairman

“VCGSIA is structured to operate exclusively for the benefit of its members – not outside investors. The expertise that Insurance Concepts brings to administration, including claims, is truly impressive. They work hard to protect injured employees while keeping costs contained. What also sets them apart is how they build member retention through the distribution of surplus as dividends. And unlike many providers, workers’ compensation isn’t an afterthought here – it’s their dedicated focus.”

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Virginia Commerce
1702 Mills Road
Richmond, VA 23233
Email:
Phone:
Contact Virginia Commerce
Interested in learning more about partnering with Virginia Commerce or becoming an agent for one of our programs? Contact our local team today!

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