How is workers' compensation coverage typically funded in West Virginia?

Workers' compensation coverage in West Virginia is primarily funded through insurance premiums paid by employers. This structure relies on the premise that employers are responsible for providing a safe working environment and, when injuries occur, they must have mechanisms in place to support affected employees. The collected premiums go into a fund that ensures employees receive medical benefits and wage replacement while they recover from work-related injuries or illnesses.

Employer-funded insurance is essential because it allows the system to operate without placing the financial burden on employees or taxpayers. If the system relied on employee contributions or state taxes, it could deter employers from hiring, as their financial obligations would increase significantly. The approach also helps maintain employer accountability, ensuring that businesses take necessary precautions to minimize workplace injuries and improve safety.