Workers’ Compensation Insurance in Martinsburg, WV – Quad State Insurance

Protecting Your Employees with Workers’ Comp Insurance in WV

At Quad State Insurance, we know your employees are the backbone of your business. That’s why we provide workers’ compensation insurance across West Virginia and surrounding states — tailored to keep your workforce protected and your business compliant with the state law.


Workers’ comp coverage provides medical care, wage replacement, disability benefits, and rehabilitation support to employees injured on the job — while protecting your business from costly lawsuits and penalties.

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Why Workers’ Compensation Matters?

Workplace accidents can happen in any industry. Without proper coverage, your business could face devastating financial consequences. The right workers’ comp insurance policy in WV provides:



  • Medical Expenses – Doctor visits, hospital bills, surgeries, and prescriptions

  • Lost Wages – Partial income replacement while employees recover

  • Disability Benefits – Financial support for temporary or permanent disability

  • Rehabilitation Costs – Physical therapy and vocational rehab services

  • Employer Protection – Shields your business from lawsuits related to workplace injuries

Who Needs Workers’ Comp Insurance?

West Virginia law requires most employers with one or more employees to carry workers’ compensation insurance. This includes:



  • Contractors & construction businesses – proof of coverage often required for contracts

  • Retail stores, restaurants, and service businesses

  • Manufacturing & industrial companies

  • Farms and agricultural operations with employees

  • Small businesses with part-time or full-time staff

Even if you only employ a few workers, having workers’ compensation insurance in Martinsburg, WV ensures compliance, avoids penalties, and protects your team.

Workers’ Comp Insurance FAQs

  • Does workers’ comp cover part-time employees?

    Yes. Workers’ compensation applies to both part-time and full-time staff.

  • How much does workers’ comp insurance cost in WV?

    Premiums depend on payroll size, industry type, and claims history. As an independent insurance agency in Martinsburg, WV, we compare multiple carriers to find affordable rates.

  • Can contractors get workers’ comp insurance?

    Yes. Many contractors must provide proof of workers’ comp coverage before taking on projects in West Virginia.

Why Choose Quad State Insurance for Workers’ Comp Coverage

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Local Knowledge – We understand the risks and compliance requirements unique to West Virginia businesses.

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Independent Advantage – As an independent agency, we shop multiple carriers to find the best rates.

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Small Business Focus  – Tailored coverage for contractors, farms, and small businesses in Martinsburg and beyond.

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Trusted Choice® Member  – Recognized for integrity and client-first service.

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Protect Your WORKERS with Confidence

Get the Right Workers’ Comp Insurance in WV Today

Protect your employees, your business, and your peace of mind with the right workers’ compensation insurance in West Virginia. At Quad State Insurance, our agents make it easy to compare workers’ comp quotes in Martinsburg, Kingwood, Morgantown, and throughout WV so you can focus on running your business with confidence.