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West Virginia Workers' Compensation Insurance

Learn everything you need to know about worker's compensation insurance in West Virginia.

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Lightning Fast Quotes

We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a work comp quote.

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Easy Process

Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.

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Affordable Rates

As an independent agency, we can shop around our network of carriers, and deliver the best quote to you.

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Top Insurance Carriers

Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.

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Trusted by Thousands

Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.

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Made for You

It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.

West Virginia Workers' Compensation Requirements

You are required to carry workers' compensation insurance in West Virginia if:

  • You have any employees working in West Virginia, whether full-time or part-time. 
  • You’re going to work for someone else. Unless you’re an employee, you won’t be covered by their insurance policy and may need to provide proof of work comp. Are you an employee or an independent contractor? 10 ways to tell >>
In 2009, West Virginia moved to a private workers’ compensation market, allowing employers to purchase policies from any carrier or agency licensed to write in the state.
 
Workers' compensation insurance covers wage replacement and medical bills for employees injured on the job. To protect against other injuries at your place of business, you may need general liability insurance. Learn more about general liability >>

Factors That Impact Coverage 

  • You are a sole proprietor or partner: In West Virginia, you are included in coverage but have the option to exclude yourself.
  • You are a corporate officer: You are included in coverage with the option to exclude yourself; however, in some cases an employer may elect not to provide coverage for corporate officers.
  • You are a member of an LLC: West Virginia includes you in coverage, but you have the option to exclude yourself. LLCs may exclude up to four managers, officers or members.

Where to Get Workers' Comp Insurance in WV

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1. Request Coverage

We've made it easy. Answer a few simple questions about your business, employees and payroll. 

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2. Review Your Quote 

Receive an online quote from one of our top-rated carriers. all rated A or higher by A.M. Best.

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3. Purchase Your Policy

Some policies can be purchased online that same day — for near-instant coverage. 

  • West Virginia has a private market, meaning that you can purchase workers' compensation insurance from any private insurance carrier or agency that is licensed to write in that state. WorkCompOne can write workers' compensation policies in any U.S. state except those that practice state-run workers' compensation (Ohio, Washington, North Dakota and Wyoming). Get started on a policy with WorkCompOne >>
  • If you’re still having trouble, you can contact West Virginia's assigned risk pool, which will help you find coverage.
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