A Virginia contractor's workers compensation policy is cancelled mid-term. Under Virginia law, how many days does the contractor have to obtain replacement coverage before license suspension?
Correct Answer
B) 15 days
Virginia law requires contractors to obtain replacement workers compensation coverage within 15 days of cancellation to avoid license suspension.
Why This Is the Correct Answer
Virginia law requires contractors whose workers' compensation policy is cancelled mid-term to obtain replacement coverage within 15 days to avoid license suspension. This relatively tight window reflects the importance Virginia places on continuous protection for workers.
Why the Other Options Are Wrong
Option A: 45 days
45 days is too long and would leave workers unprotected for an extended period. Virginia's 15-day requirement is intentionally short to minimize any gap in coverage.
Option C: 10 days
10 days is close but not the correct Virginia standard. It may be confused with notice periods under the policy itself. The law gives 15 days for the contractor to act after cancellation.
Option D: 30 days
30 days is a common placeholder period seen in many insurance and licensing contexts, but Virginia specifically mandates 15 days for workers' compensation replacement coverage — not 30.
Memory Technique
15 DAYS to replace workers' comp in Virginia. Think: two weeks plus one day. Once your policy is cancelled, you have barely more than two weeks before the state suspends your license.
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