What type of insurance must West Virginia employers carry?

In West Virginia, employers are mandated by law to carry workers' compensation insurance to provide benefits to employees who suffer job-related injuries or illnesses. This type of insurance is essential as it covers medical expenses and a portion of lost wages for employees, ensuring that they are protected in the event of an accident at work. Furthermore, this requirement helps to protect employers from lawsuits resulting from employee injuries, as the workers' compensation system serves as the exclusive remedy for injured workers.

The necessity for workers' compensation insurance in West Virginia is outlined in the state's Workers’ Compensation laws, which require most employers to have this coverage. This requirement creates a safety net for both the employer and the employee, fostering a safer working environment while ensuring that workers are compensated for their hardships.

While health insurance, liability insurance, and property insurance are important for many businesses, they are not required for all employers in the same way that workers' compensation insurance is. Hence, the focus on workers' compensation reflects a specific obligation under West Virginia law that underscores its significance in the realm of employer-employee relations.