West Virginia Workers’ Compensation

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About West Virginia Workers’ Compensation

West Virginia requires most employers that have at least three employees to provide workers’ comp coverage.


Workers’ comp coverage provides full medical benefits for care required to treat occupational disease or work-related injury, including doctor and hospital visits, nursing care, prescriptions, medical equipment, travel to and from medical appointments, and physical and vocational rehabilitation. In West Virginia, there’s no cap on the amount covered.


Employees can receive workers’ compensation benefits if the injury occurred as the result of a work-related accident. Employees who develop illnesses related to their type of job, called “occupational diseases,” are also entitled to benefits.


West Virginia workers can choose their own physician for workers’ comp care, at least for the initial visit.


Pie Insurance is excited to be a new provider of workers’ comp insurance in West Virginia. 

West Virginia Small Business Profile

Called “Almost Heaven,” West Virginia has the highest average elevation of any state east of the Mississippi River. With attractions as diverse as the Ohio River Valley, the Appalachian Trail, Harpers Ferry, the Greenbrier Resort, and energetic college towns, West Virginia’s proximity to the D.C. metropolitan area makes it an attractive location for employers.


Businesses in Charleston, Wheeling, Parkersburg, Morgantown, Huntington and beyond saw an 11 percent growth in business registrations from May 2018 to May 2019. Each year, about 10,000 new businesses are formed in the Mountain State. The leading industries are chemicals, biotech, energy, aerospace, and automotive, and West Virginia has the lowest turnover rate in the nation in the manufacturing industry. It produces 12 percent of the country’s coal, ranking second in the United States.

West Virginia Workplace Injuries at a Glance


Nonfatal injuries required days away from work


Nonfatal injuries were related to service providing occupations


Total workplace fatalities were men


Fatal injuries were related to transportation

West Virginia Workplace Injury Data

Workers’ Comp Basics

What’s workers’ comp, and what’s covered?

Online Workers’ Comp Quote

Get a workers’ comp quote for your small business in minutes.

Since state regulations change from time to time, we recommend you check with your state’s department for up-to-date workers’ compensation requirements.