West Virginia Workers' Compensation (WC) Adjuster Practice Test 2025 - Free Adjuster Practice Questions and Study Guide

Employers' liability coverage in West Virginia workers' compensation policies is designed to protect employers against common-law claims made by injured employees. This aspect of coverage pertains to situations where employees may seek damages beyond what is available through the workers' compensation system, often alleging negligence on the part of the employer.

The rationale behind this is that while workers' compensation typically provides a no-fault system where benefits are paid regardless of who is at fault, employees still retain the right to pursue additional legal claims for situations that fall outside the prescribed workers' compensation framework. These common-law claims can arise from various incidents that may not strictly be classified as workplace accidents but still involve the employer's negligence or failure to provide a safe working environment.

While intentional torts and psychiatric injuries can also be part of claims within the realm of workers' compensation, they are more specialized and may not typically fall under the standard employers' liability coverage. Claims exclusively for workplace accidents are generally addressed by the workers' compensation benefits themselves, rather than through the employers' liability coverage.