No insurer may decline to issue or terminate a policy of insurance subject to this article if the declination or termination is:(a) Based upon the race, religion, nationality, ethnic group, age, sex or marital status of the applicant or named insured;(b) Based solely upon the lawful occupation or profession of the applicant or named insured, unless the decision is for a business purpose that is not a mere pretext for unfair discrimination: Provided, That this provision does not apply to any insurer, agent or broker that limits its market to one lawful occupation or profession or to several related lawful occupations or professions;(c) Based upon the age or location of the residence of the applicant or named insured unless the decision is for a business purpose that is not a mere pretext for unfair discrimination or unless the age or location materially affects the risk;(d) Based upon the fact that another insurer previously declined to insure the applicant or terminated an existing policy in which the applicant was the named insured;(e) Based upon the fact that the applicant or named insured previously obtained insurance coverage through a residual market insurance mechanism;(f) olicy in which the applicant was the named insured;(e) Based upon the fact that the applicant or named insured previously obtained insurance coverage through a residual market insurance mechanism;(f) Based upon the fact that the applicant has not previously been insured;(g) Based upon the fact that the applicant did not have insurance coverage for a period of time prior to the application; or(h) Based solely upon an adverse credit report or adverse credit scoring.
West Virginia Legal Code