Business Solutions for the Real World
Give us a call to get started! 304.935.2002
Business Solutions for the Real World
Give us a call to get started! 304.935.2002
In Charleston and across West Virginia, the hardest part of a workplace injury usually comes after the ambulance leaves. Someone has to report it properly, care for the worker, keep the job moving and stop the claim from pushing your premium up at renewal.
We place workers' comp coverage for employers who want to prevent the next claim, and our in-house loss control team helps you do it.
Schedule a Call With Our TeamPrefer to talk now? Call 304.935.2002.
Workers' compensation insurance helps protect both your employees and your business when someone is hurt on the job or becomes ill because of their work. A good program also helps you prevent injuries, report the ones that happen quickly and get people back to work safely.
A lost-time injury touches far more than a single policy. Here's how one incident usually travels through a business:
Each step is a place where better safety planning, prompt reporting or a return-to-work plan could have changed the outcome. That's the work our loss control team does alongside your coverage.
Find out where your program is exposed before the next claim does it for you.
Schedule a Call With Our TeamNot every injury qualifies for workers' compensation in West Virginia, and employers who know the common reasons for denial can report injuries correctly and avoid disputes that didn't need to happen.
Our May 2025 advisory on West Virginia claim exclusions listed these as the five most common reasons a West Virginia claim is rejected. The advisory also covers who doesn't qualify, what an injury notice has to include and how the appeal process works.
The West Virginia Offices of the Insurance Commissioner oversees workers' compensation in the state, including employer coverage, claims and the Board of Review that hears protests.
The biggest savings in workers' comp come from the claims that never happen and the ones that close quickly. Our cost control work focuses on four areas:
We help with safety planning, workplace inspection forms, corporate safety manuals and risk management classes, so employees spot hazards and work more safely.
We set clear steps so every injury is reported and documented right away, with the details a claims administrator needs.
We help plan an injured employee's safe return to work, which keeps claims shorter and your crew whole.
We review open claims with you and spot patterns early, so the same injury doesn't happen twice.
Workers' comp sits right where safety practices and HR decisions meet. How a job is done, how an injury is reported and how an employee returns to work can all shape the same claim.
That's why our in-house loss control specialist is trained across both safety and human resources:
You get one person who can help with a safety manual, an employee policy question and a claim review, without handing you off between departments.
Call or email our loss control help desk with a safety, compliance or workers' comp question, and you'll hear back within 24 hours.
Want claims coming down before your next renewal? Start with a short call.
Schedule a Call With Our Team
Many workers' comp claims start with a hazard OSHA already watches for. We help you understand the OSHA requirements that apply to your business, show you the citations most common in your industry group and provide copies of the specific OSHA regulations you need for training and internal reviews.
Your claims history holds useful information. Our claims analytics reports review trends, costs and recurring causes of loss, then point to the changes in practice most likely to prevent the next injury. Those same reports help when it's time to talk with carriers at renewal.
For self-insured employers, and for companies with complex exposures or higher limit requirements, we also arrange excess workers' compensation, which adds protection above a self-insured program.
Our team works with high-exposure operations every day, where crews run heavy equipment, travel between sites or work around hazardous materials:
Energy and manufacturing companies often need workers' comp in the same program as general liability and vehicle coverage, which our insurance programs for energy and manufacturing operations bring together. If your crews also drive for work, see how we handle coverage for company vehicles and fleets. Care facilities can read more about insurance for skilled nursing facilities, and you can find every other line we place under our property and casualty services.
Want a second look at your current workers' comp program? We'll walk through it with you.
Schedule a Call With Our TeamOur office sits in the Gazette-Mail building on Virginia Street East in downtown Charleston. A phone call is the quickest way to start, and you're always welcome to meet us here.
It helps protect employees and employers when a job-related injury or occupational illness happens. It covers the employee's work injury and protects your business when a claim follows.
The most common reasons are that the injury didn't happen at work, a preexisting condition caused it, it wasn't reported in time, the worker didn't get prompt medical treatment, or the worker was intoxicated.
Focus on prevention, prompt reporting, return to work and claims management. Fewer and shorter claims are what bring costs down over time, and our loss control team helps with all four.
Yes. We arrange excess workers' compensation for self-insured employers and for companies with complex exposures or higher limit requirements.
Yes. Our loss control help desk offers OSHA compliance assistance, top OSHA citations by industry group and copies of specific OSHA regulations, and it answers questions within 24 hours.
Whether you're facing a renewal, adding employees or trying to bring claim costs down, a short call is the easiest place to start. Tell us how your crews work, and we'll show you where your program can do more.
Schedule a Call With Our TeamPrefer to talk now? Call 304.935.2002.
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Phone: 304.935.2002
Address: 1001 Virginia St. East, Suite 100, Charleston, WV 25301