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West Virginia Crime Insurance Guide

West Virginia applies UCC Article 4A rules to covered funds transfers; the security procedure in your bank agreement can affect whether an unauthorized payment order binds your account. Compare that rule with your crime policy’s funds-transfer and social-engineering coverage, and preserve records for prompt bank and law-enforcement notice. The computer-crime statute cited here is West Virginia Code § 61-3C-3 (Computer fraud); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. The computer-crime statute cited here is West Virginia Code § 61-3C-3 (Computer fraud); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. 1,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in West Virginia

  • Review the Bank Security Procedure

    West Virginia law uses §§ 46-4A-202 and 46-4A-204, security procedure and notice deadline. Ask your bank which call-back, token, dual-approval, or other verification steps apply to payment orders, and ask the agent whether the policy responds if a transfer follows a compromised account or spoofed instruction. Confirm the controlling sections with your banker: §§ 46-4A-202 and 46-4A-204, security procedure and notice deadline. Confirm the controlling sections with your banker: §§ 46-4A-202 and 46-4A-204, security procedure and notice deadline. 1

  • Match Computer Crime to Policy Triggers

    West Virginia separately criminalizes conduct under W. Va. Code § 61-3C-3. A criminal statute does not determine whether an insurer must pay your business, so ask the agent to distinguish unauthorized computer access, employee theft, fraudulent instructions, and funds-transfer fraud in the policy definitions and exclusions. The cited state provision is Computer fraud; ask the underwriter to identify the matching insured loss trigger. The cited state provision is Computer fraud; ask the underwriter to identify the matching insured loss trigger. 2

  • Keep a State Reporting Route Ready

    Consumer complaint and fraud reporting If a payment scam also affects a customer or vendor, save the instructions, emails, bank notices, and law-enforcement report, then use the West Virginia Attorney General’s consumer-fraud route when the matter fits its remit; this complaint process does not replace prompt notice to your bank or insurer. The state's intake page is Consumer Protection at https://ago.wv.gov/consumer-protection/Pages/default.aspx; keep its submission separate from notice to the bank and carrier. The state's intake page is Consumer Protection at https://ago.wv.gov/consumer-protection/Pages/default.aspx; keep its submission separate from notice to the bank and carrier. 3

Who Regulates Insurance in West Virginia

West Virginia Offices of the Insurance Commissioner

The West Virginia Offices of the Insurance Commissioner administers West Virginia insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% of premium plus 0.55% surcharge The NAIC's state chart lists a 4% of premium plus 0.55% surcharge charge for surplus-lines coverage for West Virginia (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement. 7,8

Providers With Documented State Licenses

These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in West Virginia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 10
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 11
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 15

Questions to Ask Before You Buy in West Virginia

  1. Which West Virginia Article 4A security procedure does my bank apply to wire transfers, and could that agreement make me responsible for an order I did not intend?
  2. Does this policy cover a loss caused by computer access prohibited by W. Va. Code § 61-3C-3, including access through a vendor or employee account?
  3. Are social-engineering payment instructions, fraudulent wire transfers, employee theft, and computer fraud separate insuring agreements or sublimits?
  4. If the incident affects a customer or vendor, which West Virginia Attorney General or law-enforcement reporting channel should I use, and what documents should I retain?

Crime in West Virginia: FAQ

Who pays for an unauthorized wire transfer in West Virginia? 1

It depends. §§ 46-4A-202 and 46-4A-204, security procedure and notice deadline governs relevant payment-order questions, including when a commercially reasonable security procedure can make an order effective and what notice duties apply. Ask your bank and agent how the account agreement and crime policy address the same transfer. 1

Where can I report a payment scam in West Virginia? 3

The West Virginia Attorney General provides consumer protection information for consumer fraud matters. A business should also notify its bank, insurer, and law enforcement promptly and retain transaction records. The filing page is Consumer Protection at https://ago.wv.gov/consumer-protection/Pages/default.aspx. The filing page is Consumer Protection at https://ago.wv.gov/consumer-protection/Pages/default.aspx. 3

Crime in Other States

Other Coverage in West Virginia

Sources

  1. West Virginia Code, Article 4A. West Virginia Legislature; §§ 46-4A-202 and 46-4A-204, security procedure and notice deadline. Accessed 2026-09-29.
  2. West Virginia Code § 61-3C-3. West Virginia Legislature; Computer fraud. Accessed 2026-09-29.
  3. Consumer Protection. West Virginia Attorney General; Consumer complaint and fraud reporting. Accessed 2026-09-29.
  4. West Virginia Offices of the Insurance Commissioner. West Virginia Offices of the Insurance Commissioner; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  5. Insurance Department Directory. National Association of Insurance Commissioners; West Virginia Offices of the Insurance Commissioner entry; official contact and website listing. Accessed 2026-09-28.
  6. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; WV row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  7. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  10. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  11. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  12. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  13. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  14. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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