Normally if your co-workers are only riding as passengers and not driving your vehicle they do not need to be added to your policy as a driver. If you take turns driving the vehicle to work from the hotel or elsewhere in VA then you should contact your insurance company to see if they cover the passengers and part time drivers under your current policy or if you would need to make changes.

As for injuries, if you are worried about medical coverage, generally, your insurance should cover your passengers up to your limits. In most states, your passenger medical expenses would be covered by bodily injury liability, uninsured motorist coverage or personal injury protection (PIP) coverage, depending on what type of accident occurred and who was at fault.

You are from Michigan, which is a no-fault state that requires you to have personal injury protection coverage as part of your car insurance policy. Personal Injury Protection coverage applies to accidents occurring throughout the United States and Canada so you and your passengers should be covered. But if your passengers have their own car insurance coverage from Michigan it is likely that they would have to place their injury claims against their own auto insurance policy instead of yours if they are injured while riding with you. The exception would be a passenger that does not have their own car insurance policy in MI in which case usually your policy would cover them.

To make sure that this is how your auto insurer would deal with bodily injury claims from an accident taking place in Virginia, check with your insurance agent. He or she should be able to make sure that your limits and coverages will cover you and your passengers properly while you are out of state for work purposes.