Bond and insurance by trade in West Virginia
Bond and insurance rules for electrical, plumbing, HVAC and roofing: check with West Virginia Contractor Licensing Board.
How much is the contractor bond in West Virginia?
There is no surety bond for the license itself. Employers must post a wage bond for four weeks of gross payroll plus 15 percent, unless they have done construction work in West Virginia for at least a year, have been in business in another state for five years, have $100,000 in assets, or the labor commissioner waives it.1
What general liability insurance does West Virginia require?
West Virginia sets no general liability insurance minimum for the license. Before the license is issued you must certify that you are registered and current with workers' compensation and unemployment insurance, and that you comply with the business franchise tax and the wage bond rule.2
Can a West Virginia contractor be exempt from workers' comp?
Required: you must be registered with the state workers' compensation fund and the unemployment fund and swear to it by affidavit before the license is issued.2
What is a certificate of insurance?
It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one
Sources
- West Virginia Contractor Licensing Board: bond (code.wvlegislature.gov, 2026-10-27)
- West Virginia Contractor Licensing Board: insurance (wvclboard.wv.gov, 2026-10-27)