West Virginiacontractor insurance & bonding requirements
Updated April 2026 · Source: WV Division of Labor Contractor Licensing Board §21-11
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in West Virginiacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
Licensure required for contracts >$2,500. No bond; $500K GL minimum.
Common questions
What insurance does a West Virginia general contractor need?
A West Virginia general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per WV Division of Labor Contractor Licensing Board §21-11.
How much is the surety bond for West Virginia contractors?
West Virginia does not require a state-level surety bond for general contractors. Licensure required for contracts >$2,500. No bond; $500K GL minimum.
Who is the licensing authority in West Virginia?
WV Division of Labor Contractor Licensing Board §21-11 is the authority for West Virginia contractor oversight. Public license lookup is available at https://labor.wv.gov/.
How does AskBaily verify contractors in West Virginia?
AskBaily runs automated verification against WV Division of Labor Contractor Licensing Board §21-11 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in West Virginia can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under WV Division of Labor Contractor Licensing Board §21-11. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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