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Business Insurance in West Virginia
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Recommended insurance policies for small businesses in West Virginia
General liability insurance
This type of business liability insurance is important for all West Virginia businesses. It covers common third-party risks, and it's required by most commercial leases.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and other advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects West Virginia businesses that provide professional services or advice. It covers lawsuits related to work performance.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy covers financial losses from data breaches and cyberattacks. It's recommended for West Virginia businesses that handle credit card numbers and other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data recovery costs
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of coverage for a West Virginia business.
BEST FOR
- Slip-and-fall injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ comp insurance is required for West Virginia businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
This policy is required for business-owned vehicles in West Virginia. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving commercial vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
West Virginia business insurance requirements
State laws affect which business insurance coverage you need. These policies are required everywhere in West Virginia, from Charleston to Huntington.
Workers' compensation insurance
With a few exceptions, West Virginia state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. Independent contractors are exempt from this requirement.
Workers' comp covers medical bills for work-related injuries and illnesses, and provides disability benefits for injured West Virginia workers. The employer's liability insurance included in most policies protects employers from legal costs in the event an employee sues over an injury.
Commercial auto insurance
All business-owned vehicles in West Virginia must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
West Virginia's minimum requirements for auto liability insurance (and uninsured motorist coverage) are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for West Virginia small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business operations and location
- Number of employees
- Types of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill West Virginia's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In West Virginia, insurance agencies, agents, and brokers are licensed by the West Virginia Offices of the Insurance Commissioner. Insureon is licensed in West Virginia as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 100107323). Verify our licensure with the National Association of Insurance Commissioners by selecting West Virginia, licensee, business entity, and then entering our license number.