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West Virginia Risk Pool Is Expanding To Include Workers Comp


Greenbrier County Joins West Virginia Risk Pool

Originally, the West Virginia Risk Pool was created to provide property and liability coverage to its counties all around the state. Recently, though, there is a movement to include Workers Compensation coverage.

Graphic Map of West Virginia Risk Pool Greenbrier County

Formed 3 years ago by just 19 counties, the West Virginia Counties Group Self-Insurance Risk Pool, Inc. provided liability and property coverage. Some of the coverage the pool offers is vehicle fleet coverage and power equipment and machine coverage.

As of today, the pool has grown from 19 chartered counties to 41 county related authorities in addition to 34 county commissions. One of the 19 charter members is Greenbrier County who recently voted to include workers compensation in its current coverage.

Greenbrier County was one of the largest risks in the pool and now is reaping the benefits. Risk pool officials estimate the county will receive $3,200 in the form of a rebate. According to the officials, losses were lower than anticipated and the risk pool now has a surplus of $1.75 million.

Along with rebates, the risk pool is expected to lower rates. This is a plus for its members. The risk pool currently sets rates for its workers’ compensation coverage, which should be available to Greenbrier, effective June 1. I’m sure it will only be a matter of time before all of West Virginia will follow Greenbrier County’s lead.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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