Workers’ Compensation &
Commercial Umbrella Insurance

in West Virginia

West Virginia Requires Workers’ Compensation Coverage

Workplace accidents happen every day in West Virginia. If your business is not covered by a workers’ compensation policy, you may find yourself in a time-consuming and costly lawsuit. A workers’ compensation policy could cover all medical costs related to the injury, lost wages for the employee, and more. It is a required coverage in the state of West Virginia. It offers protection for your business from both sudden accidents or incidents, and injuries that happen over a longer period, such as back or neck injuries. Speak to Terry Pennington Agency online or call our Beckley office at: (304) 255-4006 to request a free quote on workers’ compensation coverage.


Workers’ Compensation Laws & Regularions in West Virginia

The insurance experts at Terry Pennington Agency want you to know that West Virginia requires all businesses to carry a workers’ compensation policy. This is true no matter how many employees you have. Speak with our agent to review these types exceptions possible on workers’ comp policies:

An employer of domestic workers for any individuals hired to perform such services.
An employer of five (5) or fewer full-time employees in agricultural services
An employer of casual workers
An employer that is a church

West Virginia’s workers’ compensation program is a no-fault system. This means employees are guaranteed benefits when they are injured on the job, regardless of who is at fault. Employers are exempt from employee lawsuits in exchange for these guaranteed benefits, thus reducing time-consuming lawsuits.

West Virginia Workers’ Compensation Basics

Workers’ compensation insurance in West Virginia pays out benefits to any employee who is hurt while performing their job. The coverage extends not only to sudden falls and accidents, but also to injuries that take longer to show themselves, such as back and neck injuries and repetitive stress injuries. Policies also cover long-term illnesses such as cancer that are a direct result of working conditions.

Workers’ compensation pays for all medical costs and lost wages for the injured employee. Policies cover other treatments related to the injury, such as physical therapy, and even job retraining if the employee cannot return to their original job. It will also pay a death benefit if an employee is killed on the job and pay a lump sum if an employee is permanently disfigured.

Some Occupations Exempt from Workers’ Comp Coverage:

– Professional athletes, including trainers and jockeys engaged in thoroughbred horse racing.
– Some independent contractors, but specific restrictions must be met.
– A West Virginia workers’ comp policy also protects your employees when they are out of the office while they are performing work duties. Employees traveling for work, working at a client site or who are even at an out-of-state conference are all covered by your policy.

Save Money with Possible Discounts on Workers’ Comp Insurance

Speak with our agent about any possible savings your company may be able to obtain on West Virginia workers’ compensation policies. Call us at (304) 255-4006 to review these savings. Discounts will vary but a few of the most common discounts are:

Drug-Free Workplace: A discount to businesses that implement a drug-free workplace program. Program details will vary as will the discount amount.
Group Association Discount: Your business may qualify for a discount if you are a professional, trade or industry group or association.
Safety or Fall Prevention Programs: A discount if your business has a safety or fall prevention program in place.

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