WVC 33 - 12 - 20
§33-12-20. Personal liability of agent.
Any agent who participates directly or indirectly in effecting
any insurance contract, except authorized reinsurance, upon any
subject of insurance resident, located or to be performed in this
state, where the insurer is not licensed to transact insurance in
this state, shall be personally liable upon the contract as though
such agent were the insurer thereof. This section shall not apply
to excess line insurance procured in the manner provided in article
twelve-c of this chapter, nor to ocean marine insurance or marine
protection and indemnity insurance.