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	<title>Griffin-Owens and Associates &#187; workers compensation</title>
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	<description>Your Resource For All Your Insurance Needs</description>
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		<title>Do I &#8220;Need&#8221; Workers Compensation Coverage?</title>
		<link>http://griffinowens.com/2010/05/18/do-i-need-workers-compensation-coverage/</link>
		<comments>http://griffinowens.com/2010/05/18/do-i-need-workers-compensation-coverage/#comments</comments>
		<pubDate>Tue, 18 May 2010 19:05:52 +0000</pubDate>
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		<category><![CDATA[workers compensation]]></category>

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		<description><![CDATA[That all depends on how many employees you have and how you define the word &#8220;Need&#8221;.  Virginia law only requires employers who have three or more employees to carry Workers Compensation insurance.  However, just because the law doesn&#8217;t require you to carry the coverage doesn&#8217;t mean that you don&#8217;t have an exposure.  If you are [...]]]></description>
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		<title>Do You Know Who Covers Your Contractor?</title>
		<link>http://griffinowens.com/2009/09/08/do-you-know-who-covers-your-contractor/</link>
		<comments>http://griffinowens.com/2009/09/08/do-you-know-who-covers-your-contractor/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 19:59:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Personal]]></category>
		<category><![CDATA[Contractors]]></category>
		<category><![CDATA[Homeowners Insurance]]></category>
		<category><![CDATA[workers compensation]]></category>

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		<description><![CDATA[Many homeowners use the warm months of the year to work on home improvement projects. Some projects are just a little too big for the average homeowner so we call upon local professionals to help us out.   Most homeowners don&#8217;t realize that they need to ask their contractors for proof of insurance before allowing work [...]]]></description>
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