In West Virginia, all employers with one or more employees are required to carry workers’ compensation insurance, which must be obtained through a private insurer as the state operates a competitive market for workers’ compensation. Sole proprietors, partners, corporate officers, and LLC members are generally excluded from mandatory coverage but have the option to opt-in if they choose. West Virginia’s system ensures that injured workers receive necessary medical care, wage replacement, and rehabilitation services. The West Virginia Offices of the Insurance Commissioner oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby protecting workers’ rights and benefits.