What types of insurance must general contractors carry in West Virginia?

General contractors in West Virginia are required to carry specific types of insurance to protect themselves, their employees, and their clients from various risks associated with construction projects. General liability insurance is essential as it provides coverage for damages or injuries that may occur on a job site, ensuring that contractors are protected in the event of claims related to property damage or bodily injury caused during construction activities.

Workers' compensation insurance is also a mandatory requirement for contractors in West Virginia, as it covers medical expenses and lost wages for employees who may be injured while on the job. This insurance not only helps safeguard workers but also protects the contractor from potential lawsuits arising from workplace injuries.

The other options listed include types of insurance that do not align with the specific requirements for contractors. Health insurance and auto insurance, while important for individuals and businesses in general, are not mandated for general contractors specifically in relation to their construction activities. Property and life insurance, while beneficial for other purposes, do not directly address the liability and employee protection needs outlined in West Virginia law for the construction industry. Lastly, having only general liability insurance does not fulfill the legal requirements set forth for contractors, as it leaves out the critical aspect of workers' compensation coverage. Therefore, having both general liability and workers' compensation insurance is