West Virginia commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in West Virginia files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in West Virginia. This page summarizes the 1 active filings we track for West Virginia across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in West Virginia
West Virginia runs a private Workers' Comp market. Rate filings are reviewed by the West Virginia Offices of the Insurance Commissioner. The governing authority is W.Va. Code Chapter 33 (Insurance). You can confirm any West Virginia carrier or agent is licensed with the state's license-lookup tool. We track 1 distinct classification(s) for West Virginia across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two West Virginia businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines we track are Workers Compensation. The most-recent West Virginia filing we track is effective January 2026. Every row below links to the filing it was taken from so the West Virginia regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for West Virginia employees injured on the job — mandatory in West Virginia once you have staff.
In West Virginia, Commercial General Liability carriers earned about $277M in premiums at a 64% loss ratio and a 1.2% underwriting profit (NAIC 2023). In West Virginia, Workers Compensation carriers earned about $265M in premiums at a 47.3% loss ratio and a 13.8% underwriting profit (NAIC 2023). In West Virginia, Commercial Multiple Peril carriers earned about $261M in premiums at a 57.8% loss ratio and a -1.5% underwriting profit (NAIC 2023). In West Virginia, Commercial Auto carriers earned about $158M in premiums at a 55.1% loss ratio and a 10.1% underwriting profit (NAIC 2023). In West Virginia, Inland Marine carriers earned about $104M in premiums at a 33.9% loss ratio and a 31.5% underwriting profit (NAIC 2023). In West Virginia, Commercial Property carriers earned about $83M in premiums at a 31.1% loss ratio and a 43.1% underwriting profit (NAIC 2023). In West Virginia, Medical Professional Liability carriers earned about $72M in premiums at a 33.1% loss ratio and a 32.1% underwriting profit (NAIC 2023). In West Virginia, Product Liability carriers earned about $11M in premiums at a 6.4% loss ratio and a 41.9% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in West Virginia, beyond the filed loss costs above.
- West Virginia rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual West Virginia premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | WV | Overall -13.5% voluntary loss cost | Jan 1, 2026 | SERFF #NCCI-134619579 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
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Who writes commercial coverage in West Virginia
63 carrier groups have an active filing footprint across 122 lines of insurance in West Virginia (25,657 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Nationwide, CNA, Berkley, Zurich.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
Compare West Virginia carriers →Get a real West Virginia quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free West Virginia quote in under 90 seconds.
Get a free West Virginia quote →Related West Virginia cost pages
West Virginia-specific cost guides for the verticals we cover:
West Virginia insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in West Virginia — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →