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West Virginia workers’ compensation laws require employers to provide coverage when they hire their first employee and then every employee afterward. Insurance covers medical expenses, wage replacements, necessary care, and financial assistance for everyday costs, like household bills.
Workers’ comp in WV is overseen by the West Virginia Offices of the Insurance Commissioner, overseeing strict adherence to legal requirements for employers and employees.
Small West Virginia businesses can save money on workers’ comp insurance through employee education.
Invest in safety programs and educational materials to keep employees informed and updated on safety protocols. Create a safer work environment to reduce the risk of injuries, leading to fewer claims and lower premiums.
Small businesses can also:
West Virginia workers’ compensation insurance laws offer mandatory coverage for medical, disability, and death benefits.
When an employee is injured or sick due to work-related incidents or accidents, they inform their employer. The employer then informs the insurance provider, who reviews the case and either approves or denies the claim.
Upon approval, employees receive benefits. If denied, the employee can dispute the ruling.
Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.
To get workers’ compensation insurance in West Virginia, employers start by getting a quote though a licensed agent like Kickstand Insurance. Premium pricing is based on the number of employees, the kind of work, and the business structure.
A higher-risk job will increase premiums, while a lower-risk job, like working in an office behind a computer, will decrease premiums. The National Council on Compensation Insurance oversees risk factors, determining the terms and conditions of a policy for high-risk work.
Businesses that refuse to comply with West Virginia workers’ compensation laws could suffer severe consequences, such as:
Non-compliance could damage your business reputation. Employees want to work for trustworthy employers, so compliance with West Virginia workers’ compensation laws is crucial to a business's long-term success.
Workers’ compensation insurance death benefits vary by case.
Surviving dependents usually receive a percentage of the deceased employee’s average weekly wage with a minimum and maximum wage cap per week. A one-time death benefit in a lump-sum payment is also typically available to surviving dependents.
In West Virginia, the definition of a dependent can include a spouse, children, and other family members who depended on the weekly wages of the deceased employee. Death benefits offer up to $10,000 for funeral and burial costs.
The benefits provide financial stability to families as they grieve and mourn, making it possible for them to support themselves during a difficult time.
According to West Virginia workers’ compensation insurance laws, workers’ comp settlements are often between the injured worker and employer (with the help of an insurance provider). Settlement agreements are negotiated to suit both parties, including compensation for medical expenses, replacement wages, and disability or care.
Agreements are solidified in writing and then submitted to the West Virginia Offices of the Insurance Commissioner for final approval.
The agreed-upon compensation is then released to the injured worker in either structured weekly settlements (typically in the amount of lost weekly wages) or a lump sum, a percentage of an employee’s weekly wages.
Once compensation is made, the employee waives all rights to future claims related to the accident or incident.
In West Virginia, the statute of limitations for workers’ compensation include:
Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!
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