Small businesses in West Virginia most often buy these types of 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.
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.
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.
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.
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.
E&O, sometimes called professional liability insurance, is common with professional services in West Virginia. It can cover the cost of lawsuits related to your work performance.
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.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
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State laws affect which business insurance coverage you need. These policies are required everywhere in West Virginia, from Charleston to Huntington.
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.
West Virginia's minimum requirements for auto liability insurance (and uninsured motorist coverage) are:
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.
Review answers to frequently asked questions about West Virginia insurance.
West Virginia's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance (E&O; also known as professional liability insurance) to get licensed in their state.
Note that cities and counties may have their own laws, in addition to state laws.
As with any purchase, shopping around is one of the best ways to find affordable options. With Insureon, you can compare quotes from top-rated insurance carriers by filling out a free online application.
Other ways to save include bundling insurance products for a discount, and choosing less expensive coverage options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.