West Virginia Contractors License Practice Exam 2025 – All-in-One Resource for Exam Success!

In West Virginia, workers' compensation insurance is mandatory for contractors. This requirement is in place to protect both the contractor and the employees in the event of work-related injuries or illnesses. Workers' compensation ensures that injured workers receive appropriate medical care and financial support without the need to prove fault. This coverage not only helps workers recover from workplace injuries, but it also protects contractors from potential lawsuits stemming from employee injuries, fostering a safer work environment.

While general liability insurance, professional liability insurance, and property damage insurance can be important for protecting a contractor's business and assets, they are not mandated by state law in the same way that workers' compensation is. General liability insurance covers third-party claims for bodily injury or property damage, and professional liability insurance protects against claims of negligence or failure to deliver services as promised. Property damage insurance covers damages to physical property, but none of these types of insurance are obligatory for contractors operating in West Virginia.