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Small Business Insurance in West Virginia

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Insurance cover for small businesses in West Virginia

Frequently Asked Questions

What types of insurance should I buy for my West Virginia business?

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.

Can my business be exempted from Workers Compensation in West Virginia?

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.

What limits of Commercial Auto Insurance are needed in West Virginia?

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.

How can I lower my business insurance premiums in West Virginia?

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.

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Prefer to speak with a CoverWallet consultant? Call

(646) 844-9933