West Virginia Workers' Compensation Insurance

Protect your business and employees with West Virginia workers' comp

West Virginia workers' compensation insurance provides medical care and financial support to employees who get injured at work. This coverage helps businesses in the Mountain State follow the law and keep their team safe.

Start a free online quote or talk to a Progressive Commercial agent to learn more about workers' comp in West Virginia.

Who needs workers' compensation insurance in West Virginia?

West Virginia workers' compensation rules require most businesses to have insurance, covering full-time, part-time, and seasonal workers.

West Virginia workers' compensation insurance exemptions

Although most companies need coverage, West Virginia workers' comp exemptions include:

• Churches
• Domestic services
• Independent contractor taxi drivers
• Small agricultural operations
• Out-of-state employees
• Volunteer rescue squads and police units

Think you're exempt? It's a good idea to review your licenses and contracts or consult with a specialist to see if you need workers' comp.

What are the penalties for not having workers' comp in West Virginia?

Businesses in West Virginia that need workers' comp but don't have it can be charged with a felony. If they're found guilty, they could face fines up to $10,000.

Learn more about the penalties for not having workers' compensation in West Virginia.

How much does workers' comp cost in West Virginia?

West Virginia workers' compensation costs are based on:

• Job classification code: Insurers use workers' comp class codes to rank jobs by risk level and set pricing.
• Payroll: Since premiums are determined per every $100 of payroll, larger companies have higher rates.
• Claims history: Filing more claims than the industry average can lead to higher insurance costs over time.
• Insurance carrier: West Virginia workers' comp rates vary by insurer, so the best way to learn what you'll pay is to get a quote.

How can you get workers' comp in West Virginia?

West Virginia employers can get workers' comp insurance a few ways:

• Private insurers: Businesses opt for private insurers because they offer personalized policies and potential discounts.
• Self-insurance: Self-insurance can lower costs for employers, but they need to manage financial risks on their own.
• State agency: The State Agency Workers' Compensation Plan offers workers' comp to public employees through a government-managed program.
• Assigned risk pool: Companies that can't secure coverage another way can get insurance through the National Council on Compensation Insurance.

Explore these options to find the right policy for your business. If you need help or want more information, start an online quote or talk to a Progressive Commercial specialist.

How does workers' comp work in West Virginia?

Workers' compensation insurance helps employees recover from work-related injuries or illnesses. After an incident is reported, the employee or employer can file a claim. If approved, the employee will begin receiving benefits that can cover things like:

• Medical expenses
     
• Disability benefits
  
• Lost wages
     
• Rehabilitation costs
    

Businesses also benefit from this coverage because it minimizes the possibility of lawsuits. Employees who accept a West Virginia workers' compensation settlement typically can't sue. But if they do, this insurance pays for legal costs.

West Virginia workers' compensation death benefits

West Virginia workers' compensation death benefits assist families of employees who died because of their job. Dependents can receive monthly support and a lump-sum payment of $10,000 for funeral expenses.

West Virginia workers' compensation statute of limitations

West Virginia workers' comp laws give employees six months from the date of injury to file a claim.

Encourage your employees to report accidents as soon as they happen to ensure they meet West Virginia's statute of limitations.

Why choose Progressive Commercial for West Virginia workers' compensation insurance

Progressive Commercial provides personalized insurance plans that help you meet your goals.

Get started today. Start an online quote or call an agent for more information about West Virginia workers' comp.