West Virginia - Wild and Wonderful

About West Virginia

West Virginia is noted for its mountains and diverse topography, its historically significant logging and coal mining industries, and its political and labor history. It is one of the most densely karstic areas in the world, making it a choice area for recreational caving and scientific research.


West Virginia is full of opportunity for any business with a growing economy and a highly dedicated workforce. Whether you are running an existing business or thinking of starting a new business you can find all of the information you need throughout this business section.


West Virginia is fortunate to have a tremendous education system with a high standard of excellence. Please use the information provided here to learn more about the wealth of educational opportunities in our great state.


West Virginia is home to one of the finest workforces in the country based on our hard work and commitment to quality. Whether you are looking for new job opportunities, enhancing your job skills or researching future employment trends you can find all of the information you need throughout this employment section.


West Virginia offers the perfect balance of a rural and urban setting that suits a variety of lifestyles. This is a state where you can go whitewater rafting in the morning, go to an art exhibit in the afternoon and attend a concert in the evening. Whether you just moved to the Mountain State or your family has been here since it was founded, you are part of our community.


Maintaining proper health is vital to ensuring the highest quality of life possible. West Virginia strives to provide one of the best health care systems in the country that is affordable and available to all residents of the state. This section contains numerous resources to assist you in accessing the health care services provided in the state.


Exhilarate in the lasting beauty and natural wonder scattered throughout West Virginia. From unmatched outdoor recreation to world-class resorts, breathtaking scenery and a variety of cultural and historic attractions, West Virginia is an ideal spot to plan your next adventure. Discover for yourself what makes West Virginia wild and wonderful.

 West Virginia Offices of the Insurance Commissioner Completes Market Conduct Examinations


CHARLESTON, WV -- West Virginia Insurance Commissioner, Jane L. Cline, announced today that the West Virginia Offices of the Insurance Commissioner completed five (5) West Virginia market conduct examinations during the 2007 calendar year.  Market conduct examinations are conducted routinely and also by referral.  These examinations focus on the business practices of insurers and producers and are designed to monitor marketing, advertising, policyholder services, underwriting, rating, and claims practices. The adopted reports are public record. 

Of the five (5) West Virginia market conduct examinations, four (4) were routine and one (1) was a "target examination" based on the findings of a consumer hearing that revealed the company committed an Unfair Trade Practices Act (UTPA) violation.  In total, these five (5) West Virginia market conduct examinations resulted in $43,500.00 worth of fines.  Below are the details of the exams:

Highmark WV, DBA Mountain State Blue Cross Blue Shield, was fined $5,000.00 for failure to timely respond to the Insurance Commissioner regarding complaints, failure to abide by small group guaranteed issue requirements and improper filing of bona fide associations plans.  Panhandle Farmers Mutual Insurance Company of WV was penalized $1,000.00 for failure to send notification to terminated producers.  West Virginia Insurance Company was fined $6,000.00 for allowing business from un-appointed agents and for sending improper denial notices on claims.  Municipal Mutual of West Virginia was penalized $7,000.00 for improper cancellation of insurance policies, failure to notify producers terminated for cause and allowing business submitted from agents not appointed by the Company. State Auto Property and Casualty Company was fined $24,500.00 for failure to send necessary notices of delay to Third Party Claimants and improper claims denial notices.

Commissioner Cline stated, "Market Conduct Examinations are an important tool the WV Offices of the Insurance Commissioner uses to proactively ensure that policyholders and claimants are being fairly treated by their insurance companies.  Each of these companies entered into agreements to take corrective action on deficiencies identified by the examiners.  In some cases, this included making additional payments to claimants or offering to restore policies which were previously cancelled."

Contact Information

Jason L. Butcher
304-558-6279 x1237