West Virginia Restaurant businesses pay $98–$410/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Charleston | $98–$410/mo | Compare → |
| Huntington | $93–$390/mo | Compare → |
| Morgantown | $98–$410/mo | Compare → |
| Parkersburg | $90–$377/mo | Compare → |
| Wheeling | $90–$377/mo | Compare → |
| Kanawha County | $98–$410/mo | Compare → |
| Cabell County | $93–$390/mo | Compare → |
| Monongalia County | $98–$410/mo | Compare → |
| Berkeley County | $96–$402/mo | Compare → |
| Raleigh County | $88–$369/mo | Compare → |
| Wood County | $90–$377/mo | Compare → |
| Mercer County | $86–$361/mo | Compare → |
| Putnam County | $93–$390/mo | Compare → |
| Harrison County | $88–$369/mo | Compare → |
| Marion County | $88–$369/mo | Compare → |
Restaurant businesses in West Virginia typically pay $98–$410/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — West Virginia requires workers' compensation for most employers with at least one employee. Restaurant businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in West Virginia for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for West Virginia cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.