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Starting a business in West Virginia opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your West Virginia business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy West Virginia requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
A General Liability Insurance policy protects your WV business against common causes for lawsuits, including bodily injury to others and property damage. Personal injury is also covered, such as damages to others due to libel or slander.
Commercial Property Insurance protects your WV business against damage your building and its contents due to fire, theft, vandalism, and many natural disasters. Coverage extends to machinery, equipment, supplies, and on-site inventory.
Workers' Compensation coverage pays for medical care, rehabilitation, and income replacement for workers injured on the job or who suffer from occupational illnesses. West Virginia law requires most WV businesses to carry Workers' Compensation coverage.
Commercial Auto Insurance covers the vehicles you use for your WV business. WV law requires Liability coverage for bodily injury and property damage. Full coverage for your company vehicles includes collision and comprehensive coverage selections.
Umbrella Insurance extends the liability coverage limits of your existing liability insurance coverage on other policies. An Umbrella Insurance policy is often the most cost-effective way to maximize coverage across multiple policies.
Every business is different, but we suggest you start with Workers' Compensation coverage if you have employees, Commercial Auto Insurance if your West Virginia business uses vehicles, and General Liability Insurance to guard against common causes of lawsuits.
Most West Virginia businesses are required to carry Workers' Compensation coverage. There are exceptions, such as when you employ an independent contractor, agricultural employers with fewer than 5 full-time employees, and churches.
West Virginia requires that your Commercial Auto Insurance policy has limits of $20,000 for bodily injury liability per person, $40,000 bodily injury liability per accident, and $10,000 for property damage liability. Many WV businesses choose higher limits.
You can manage your premium costs in many ways, including choosing a higher deductible for certain coverages, safety-related discounts, or by making changes to your coverages after a policy review.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: