West Virginia Workers' Compensation

Caring for your employees is one of the best ways to gain their loyalty and help ensure the success of your business. With a comprehensive Workers’ Compensation policy, you can protect yourself and your employees from financial burdens in case of workplace accidents or illnesses.

However, for many small business owners, providing benefits to their employees can be challenging because of some financial constraints. Many insurance providers out there offer comprehensive Workers’ Compensation and it can be difficult to choose a policy.

PolicySweet® offers comprehensive and customizable West Virginia Workers’ Compensation insurance plans that can fit your budget. With our solution, you can help keep your employees safe and comfortable.

Complete our form and get your free Workers’ Compensation quote in just a few minutes!


How Does Workers’ Compensation Work in West Virginia?

According to the state’s Offices of the Insurance Commissioner, most West Virginia employers are legally required to purchase Workers’ Compensation insurance for their employees. Failure to comply with this requirement could result in hefty penalty fines and possible imprisonment.

Here are some of the penalties employers can face if they fail to purchase a Workers’ Compensation policy:

  • Felony conviction;
  • Imprisonment in West Virginia state prison from one to ten years; or
  • A penalty fine of up to $2,500.
  • A business with an association, corporation, or partnership structure that failed to provide Workers’ Compensation could be fined up to $10,000.

Who Is Exempt From Purchasing Workers’ Compensation in West Virginia?

The following individuals or entities could be exempt from Workers’ Compensation insurance requirement:

  • An agricultural employer with five or fewer full-time employees;
  • Employers from church;
  • Domestic employees;
  • Employers for professional sports teams or athletes;
  • Volunteer employers;
  • A casual employer;
  • Employees who are covered by the Longshore and Harbor Workers’ Compensation Act.

Entities, employers, or individuals who fall under these categories should not ditch their Workers’ Compensation altogether. They should apply for an exemption with the state’s Insurance Commissioner to validate if they can be exempted from Workers’ Compensation insurance.

What Are the Benefits Provided by West Virginia Workers’ Compensation?

West Virginia Workers’ Compensation may offer various coverage and benefits for employees. Here are some of the most notable ones:

Medical Expenses

A medical plan for treatment and medications due to a work-related injury. This benefit can also cover prescription, diagnostic, and other necessary medical expenses to help with the employee’s recovery.

Lost Income

A portion of the employee’s income can be paid if they cannot work right away due to an injury.

Rehabilitation Costs

This benefit is intended for employees who need to undergo physical and vocational rehabilitation because of their injury.

Get Your Free and Instant Quote With PolicySweet

No one can predict when an accident might occur, and nobody wants to suffer challenges brought on by these accidents. Securing a Workers’ Compensation policy is key to helping protect your business against financial risks.

We understand your challenges in finding the right policy for your company as a small business owner. With PolicySweet, you can get Workers’ Compensation insurance that meets state regulations.

Request a free insurance quote today using our easy-to-follow quote form. In a few clicks, you can get a comprehensive insurance proposal for your business!

Please Note: State-specific information is subject to change at any time. Always consult with your state’s official information and resources for the most accurate information.