West Virginia does not require every business to buy the same insurance package. Most employers with one or more employees must carry workers’ compensation unless a limited exemption applies. Vehicles must meet state financial responsibility requirements. Licenses, bonds, leases, lenders, or client contracts can create additional requirements.
https://www.wvinsurance.gov/Employer-Coverage
https://code.wvlegislature.gov/17D-4-2
https://business4.wv.gov/startmybusiness/Pages/Insurance-Requirements.aspx
