West Virginia Contractors License Practice Exam

Which insurance is mandatory for contractors in West Virginia?

1. Workers' compensation insurance

2. Professional liability insurance

3. General liability insurance

4. Property damage insurance

The correct answer is: General liability insurance

In West Virginia, contractors are required to carry workers' compensation insurance to protect their employees in the event of workplace injuries. This type of insurance provides benefits to workers injured on the job, covering medical expenses and lost wages. While professional liability insurance, general liability insurance, and property damage insurance are important for contractors and can provide various protections, they are not mandatory for all contractors in West Virginia. Professional liability insurance typically covers claims related to errors or omissions in professional services, while general liability insurance protects against claims of bodily injury or property damage to third parties. Property damage insurance specifically covers damage to property that a contractor may cause during their work. However, these coverages are not legally required for obtaining a contractor's license in the state, making workers' compensation the essential coverage that is mandated.