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Employers in West Virginia enjoy some of the lowest rates on workers compensation coverage in the entire country. Still many business owners do not take advantage of all the programs offered to help them lower their costs on workers' compensation insurance.
At Workers Compensation Shop.com, our agents specialize in workers compensation insurance. Our agents are trained to find the most comprehensive coverage and the lowest rates in the industry. We partner with more than 30 insurance providers and can use these partnerships to negotiate lower rates and better services for your coverage.
One program we specialize in is Pay as You Go Workers Comp Coverage. This program allows you to pay your premiums each month based on your payroll instead of paying in a large lump sum at the beginning of the year. This prevents a business owner from having to estimate payroll. If an error occurs in that estimate many businesses over or underpay their premium. This can surprise many businesses with an unexpected cost at the end of the term when they have to pay for the underpayment. Many business owners like how this program frees up cash for other more immediate needs.
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In most states, We generally target businesses where we have the best opportunity to provide the most savings. Often times, we've worked out special considerations for underwriting and/or pricing with some of our insurance partners. More policy discounts and credits may be applied.
Don't see your business or industry? Don't worry, we've still got you covered.
Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.
We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.
Most employers are required to carry workers' compensation coverage in the state of West Virginia with only a few exceptions.
Rates on Workers Comp Insurance are good in the sate of West Virginia. As of 2014 they were 26 percent lower than the national average. One of the main reasons West Virginia enjoys such low rates on workers' compensation coverage is because of the partnership with the National Council on Compensation Insurance (NCCI). NCCI is the assigned risk provider for the state of West Virginia. This assigned risk provider is set up for businesses who cannot get coverage on the open market. States who use a state fund or partner with a provider like NCCI, typically enjoy lower rates than states that do not.
Get more information about workers' compensation in West Virginia:
Workers Compensation Info
Workers Comp Programs
National Broker Services