West Virginia workers' compensation rates decreasing in 2024.
The average workers' comp insurance rates in West Viginia are very low for most work comp class codes. A 2022 study indicated that WV rates are about 50% lower than the national average. West Virginia the 2nd lowest state for workers' comp coverge in the country. Insurance companies are competing to win new business and premium in the state. Workers' comp remaines the most profitable line of insurance for many of these companies.
West Virginia is an NCCI state like most other states. NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the WV Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.
Workers' compensation rates will vary for the same class codes in West Virginia because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.
Don't pay too much for your workers' comp coverage. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
Workers Comp Rates are an Art & Science
What influences my workers comp insurance cost?
Your State & Class Codes
Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.
Your Claims or Losses
Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.
Prior Experience & Coverage
Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.
Policy Credits and Debits
Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.
Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.
WV Rates for Select Work Comp Class Codes
Rates for State Class Codes. Select Codes Listed:
The West Virginia workers' compensation rates listed below represent the lowest and highest rates we've found for 2025. West Virginia rates are regulated by the Insurance Commissioner for the State of West Virginia. Insurance companies may be permitted to offer premium discounts and scheduled credits on workers' compensation policies. We offer Pay As You Go workers comp coverage in West Virginia. Not all businesses will qualify for the lowest rates available or maximum policy credits. Compare your West Viginia workers' compensation with over 35 companies.
| Class Code & Description | Low Rate | High Rate |
|---|---|---|
| 0035 Farm-Planting & Harvesting-Cannabis Growers | $0.96 | $1.53 |
| 0042 Landscaping Service | $2.67 | $4.26 |
| 0106 tree Trimming-Pruning-Removal | $4.32 | $6.89 |
| 0917 Residential Cleaning Service-Housekeepers | $1.62 | $2.59 |
| 2121 Breweries-Craft Beers | $0.50 | $0.80 |
| 2143 Winery-Wine Makers | $0.92 | $1.47 |
| 2585 Carpet Cleaning | $1.32 | $2.11 |
| 2589 Dry Cleaning & Laundry Service | $0.81 | $1.29 |
| 3632 Machine Shop | $1.36 | $2.17 |
| 3724 Garage Door Installation | $1.98 | $3.16 |
| 3821 Salvage Yard-Auto Recycling | $2.75 | $4.39 |
| 5022 Masonry Construction | $3.45 | $5.51 |
| 5102 Door & Window Installers | $2.36 | $3.77 |
| 5183 Plumbing Contractors | $1.06 | $1.69 |
| 5190 Electrical Work-Electrician | $1.13 | $1.80 |
| 5221 Concrete Work-Flat Work Cement | $1.81 | $2.89 |
| 5223 Poll Installation & Maintenance | $2.30 | $3.67 |
| 5348 Ceramic, Tile & Stone Work | $1.71 | $2.73 |
| 5437 Trim-Finish Carpenters-Cabinets-Countertops | $2.42 | $3.86 |
| 5445 Drywall Contractors | $2.76 | $4.40 |
| 5474 Painting Contractor | $2.58 | $4.12 |
| 5478 Floor Installers-Wood-Carpet-Laminate | $1.65 | $2.63 |
| 5535 Metal Building Construction | $3.00 | $4.79 |
| 5537 HVAC-Heating & Cooling Service/Repair | $1.86 | $2.97 |
| 5537* Solar Energy Contractors-Installation | $1.86 | $2.97 |
| 5551 Roofing Contractors | $7.36 | $11.75 |
| 5606 Asphalt & Paving Work | $0.49 | $0.78 |
| 5645 Residential Construction-Home Builders-Remodelers-Siding | $4.85 | $7.74 |
| 6217 Excavation & Grading Work | $1.57 | $2.51 |
| 6400 Fence Installation & Repair | $2.51 | $4.01 |
| 7219 Trucking Short & Long Haul | $2.76 | $4.40 |
| 7225 Towing Company | $2.25 | $3.59 |
| 7230 Package & Parcel Delivery | $3.14 | $5.01 |
| 7370 Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle | $1.68 | $2.68 |
| 7605 Alarm Installation & Repair | $0.95 | $1.52 |
| 7720 Security Guards-Patrol Officers | $1.35 | $2.15 |
| 8006 Gas Stations and Convenience Stores | $0.73 | $1.17 |
| 8017 Retail Stores-Merchandise-Cannabis Dispensary | $0.44 | $0.70 |
| 8217 Excavation and Grading Work | $1.56 | $2.57 |
| 8292 Warehousing & Storage Facility | $1.35 | $2.15 |
| 8380 Auto Service & Repair-Mechanic | $0.90 | $1.44 |
| 8393 Auto Body Repair | $0.55 | $0.88 |
| 8742 Sales Professional | $0.16 | $0.26 |
| 88.31 Animal Shelters & Kennels-Veterinarian | $0.51 | $0.81 |
| 8810 Clerical-Office Employee | $0.09 | $0.14 |
| 8824 Retirement Living Centers-Congregate Communities | $1.31 | $2.09 |
| 8824* Nursing Homes & Assisted Living Employees | $1.31 | $2.09 |
| 8829 Nursing Homes and Assisted Living Facilities | $1.26 | $2.08 |
| 8831 Animal Shelters and Kennels- Veterinarian | $0.49 | $0.81 |
| 8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist | $0.11 | $0.18 |
| 8835 Home Healthcare Employers | $0.86 | $1.37 |
| 8842 Group Homes-Temporary Shelters-Disability Facility | $1.01 | $1.61 |
| 8864 Social Seervice Organizations-Counseling-Family Services | $0.77 | $1.23 |
| 8868 Religious Organizations-Church-Temple | $0.14 | $0.22 |
| 8869 Child Care Centers-Daycare Providers | $0.41 | $0.65 |
| 9012 Property Management-Leasing Agent | $0.52 | $0.83 |
| 9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney | $1.09 | $1.74 |
| 9015 Building Maintenance-Campgrounds-Camps-RV Parks | $1.50 | $2.39 |
| 9052 Hotels & Motels | $0.78 | $1.24 |
| 9060 Golf Courses & Country Clubs | $0.61 | $0.97 |
| 9063 Fitness Center-Health Clubs-YMCA Programs | $0.35 | $0.56 |
| 9082 Restaurants-Catering | $0.44 | $0.70 |
| 9083 Fast Food Restaurant-Concessions-Doughnut Shop | $0.44 | $0.70 |
| 9083* Mobile Food Trucks-Food Cart | $0.44 | $0.70 |
| 9084 Bars-Taverns-Night Clubs | $0.52 | $0.83 |
| 9102 Lawn Service & Maintenance | $1.20 | $1.92 |
| 9180 Shooting Range-Amusement Park | $2.58 | $4.12 |
| 9402 Septic Tank Cleaning-Portable Toilets | $2.44 | $3.89 |
| 9403 Refuse Collection-Garbage-Trash Service | $3.61 | $5.76 |
| 9516 Electrical Equipment Repair & Service | $1.35 | $2.15 |
West Virginia rates vary by workers' compensation class codes and insurance company underwriting standards. Employers' who have an Experience Mod Rating (EMR Rating) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation losses. West Virginia no longer has a State Fund as BrickStreet Mutual Insurance Company was converted into a competitive carrier. NCCI now handles Assigned Risk policies for West Virginia.
Get a Quote or Learn More
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Insurance
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
State Resources for West Virginia
State Resources for West Virginia
WV Insurance Commissioner
PO Box 50540
1124 Smith St.
Charleston, WV 25305-0540
304-558-3386
http://www.wvinsurance.gov/
West Virginia State Fund
National Council on Compensation Insurance (NCCI)
901 Peninsula Corporate Circle
Boca Raton, FL 33487-1362
800-622-4123
https://www.ncci.com/
West Virginia is under the Jurisdiction of the National Council for Compensation Insurance (NCCI). NCCI determines rates set in the state and acts as the state fund carrier.
Our agency helps employers find guaranteed state fund workers' comp in WV. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.
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