All states / West Virginia
West Virginia Workers' Compensation Requirements
At a glance
The details
ALL employers statutorily required (WV Code 23-2-1; only exemption: ≤5 full-time AGRICULTURAL employees). Private market since 2008 (350+ carriers).
If a claim happens: benefit amounts in West Virginia
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts annually (confirm with agency) each year. All states' benefit rates →
FAQ
Do I need workers' compensation in West Virginia?
Yes — West Virginia requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in West Virginia?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in West Virginia?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for West Virginia's current enforcement posture.
Official source: WV Offices of the Insurance Commissioner · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules