Insurance Agent Permit Requirements in Morgantown, WV

1. EIN (Employer Identification Number)

   Required if you have employees or operate as an LLC or corporation. Free from the IRS.

   Official government source

   Free·Immediate (online application)

   Free

   Immediate (online application)

1. West Virginia State Tax Department — Business Registration

   Before engaging in business activity in West Virginia every individual or business entity must obtain a Business Registration Certificate from the WV Tax Division (WV Code §11-12-1 et seq.), applied for through the Business for West Virginia portal at business4.wv.gov or on form BUS-APP. A separate certificate is needed for each business name and each location. The certificate is permanent — it does not expire — until the legal name, location or ownership changes, and it must be surrendered when the business stops operating in West Virginia. It also authorises you to collect the 6% state sales tax plus any municipal sales tax of up to 1%.

   Official government source

   $30 one-time Business Registration Certificate fee, per business name and location·1–5 business days when filed online through the Business for West Virginia portal (business4.wv.gov); longer by paper BUS-APP

   $30 one-time Business Registration Certificate fee, per business name and location

   1–5 business days when filed online through the Business for West Virginia portal (business4.wv.gov); longer by paper BUS-APP

2. Errors and Omissions (E&O) Insurance

   Insurance agents are strongly advised (and often required by employers or carriers) to carry Errors and Omissions insurance. E&O covers claims arising from professional mistakes or failures.

   $500–$2,000/year·Immediate to 1 week

   $500–$2,000/year

   Immediate to 1 week

1. West Virginia Offices of the Insurance Commissioner — Insurance Producer License

   Insurance agents in West Virginia must hold a producer licence from the Licensing and Education Division of the WV Offices of the Insurance Commissioner. Applicants complete any required pre-licensing course (bring the physical completion certificate, valid six months), pass the in-person Pearson exam, and are fingerprinted at an IdentoGo facility using WVOIC service code 228NS5. Producer licences expire biennially on the last day of the licensee's birth month; invoices are delivered by email through NIPR.

   Official government source

   $50 producer licence application, $84 Pearson examination and $47.25 IdentoGo fingerprinting — about $181 to get licensed; renewal is $50 biennially ($100 if late)·2–6 weeks

   $50 producer licence application, $84 Pearson examination and $47.25 IdentoGo fingerprinting — about $181 to get licensed; renewal is $50 biennially ($100 if late)

   2–6 weeks

2. City of Morgantown Finance Department — Municipal Business License

   Every business operating inside Morgantown city limits must hold a Municipal Business License issued by the city Finance Department (304-284-7408) and applied for through the Morgantown Access Portal. You must first hold a WV State Business Registration Certificate, and if you have a physical location in the city you must also obtain a Certificate of Occupancy ($65) before the license will issue. Licenses run on the city fiscal year and expire June 30, so renew on or before July 1. The license is separate from the city's Business & Occupation (B&O) gross-receipts tax and its municipal service fee on employees and self-employed owners working in the city.

   Official government source

   $20 flat Municipal License Fee (also $20 for non-profits), printed on the city's Municipal Business License Application; B&O tax and the municipal service fee are billed separately·1–3 weeks

   $20 flat Municipal License Fee (also $20 for non-profits), printed on the city's Municipal Business License Application; B&O tax and the municipal service fee are billed separately

   1–3 weeks

Official Sources

• West Virginia Offices of the Insurance Commissioner — Insurance Producer License
• City of Morgantown City Clerk

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