West Virginia Workers Compensation

Nearly every employer in the country is required to carry workers compensation coverage. Understanding your responsibilities as well as the coverage itself will help you choose the right provider and the right insurance for your West Virginia business.

What is Workers Compensation Insurance?

Workers compensation insurance is coverage that pays for the medical expenses and wage losses any employee experiences when they are injured or become ill while on the job. Employers pay insurance premiums for this coverage based on the amount and type of employees you have for your business. Your insurance agent will look over your payroll and request specific information in order to make sure you have the right type and amount of coverage for your business. Workers compensation protects both businesses and employees.

Understanding Workers Compensation Coverage in West Virginia

Every state has specific requirements and rules for workers compensation coverage. As an employer, you need to understand the coverage requirements for West Virginia.

  • Workers compensation coverage is a requirement for nearly all employees working in West Virginia.
  • In West Virginia, independent contractors may need to provide their own coverage.
  • West Virginia operates as a private market for workers compensation, meaning you can work directly with an insurance agent to find and purchase coverage.
  • Wage replacement and medical bills are the only expenses covered by workers comp in West Virginia.
  • For those finding it difficult to obtain coverage, the assigned risk pool may be able to help.
  • Sole proprietors and partners are included in coverage but may exclude themselves.
  • Corporate officers are included with the option to exclude themselves, as well. In some cases, though, employers may choose not to provide workers compensation coverage for their corporate officers.
  • Members of LLCs are also included in coverage with the option to exclude. LLCs may exclude up to four managers, officers, or members.
  • Casual employers with less than three employees are exempt. In West Virginia, casual employers are classified as those who hire temporary or intermittent employees for no more than three days at a time and less than 10 days per quarter.
  • Agricultural service businesses with less than five employees are exempt from workers compensation coverage.
  • Domestic servants are exempt.
  • Churches who hire employees are exempt.
  • In West Virginia, employers engaged in organized professional sports activities must provide coverage for employees who do not engage in sports activities. They are not required to have workers compensation coverage for employees who do engage in sports activities.

How to Get Workers Compensation Insurance Coverage for Your West Virginia Business

To find the best, most comprehensive coverage for your business, work with an independent insurance agent who has access to multiple providers and can make sure you receive the best possible price. Workers compensation coverage protects you and the business you’ve worked so hard to build, as well as your employees.

The team at America’s Workers Compensation is ready to work with you. Request a quote and let’s discuss your options together. We’re here to help you and your business find the right coverage.

Get A Quote Today!

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