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Small Business Insurance for IT Professionals in West Virginia

Cost-Saving Tips

  • If your client requires higher limits of general liability coverage than your policy allows, don't worry. It's easy and affordable to add coverage with an umbrella policy, also called excess liability insurance.
  • Could you afford it if one of your clients were to hold you responsible for a financial loss caused by a mistake you make on the job? E&O insurance protects you from the high cost of a professional liability lawsuit by paying your legal fees and settlements, plus other covered expenses. Don't do business without it.
  • You may be able to exclude yourself as a business owner from your own workers' compensation policy, saving money on premiums. For help determining if this is the right move, contact TechInsurance for a free consultation.

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Thanks to business-friendly tax laws and low costs of doing business, West Virginia is an excellent place to be in the IT business. This state's business costs are 13 percent lower than the national average, and its economy is growing faster than the rest of the United States. West Virginia's net corporate income tax rate is also set to drop to 6.5 percent by 2014.1 Set your West Virginia business up for growth with insurance designed just for IT businesses. TechInsurance can get you covered with general liability, professional liability, workers' compensation, property insurance and more – fast and at a great rate.

Get Compliant with West Virginia's Workers' Comp Laws

West Virginia's workers' compensation laws are complex. If you need help deciphering the rules and determining if you need to cover your workers, let TechInsurance be your guide. Contact us for a free consultation, and we'll assess your business's workers' comp coverage needs, help you take advantage of all cost-saving opportunities, and get you covered and compliant with West Virginia law.

Get fast, affordable coverage that's just the right fit for your IT business. Complete one online application and get your free, no-obligation quote fast. Choose the coverage you need, and we'll start your policy immediately.

If you're looking for any of the following types of insurance, we've got you covered:

Business Liability Insurance Package Policy.

You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.

Professional Liability Insurance.

Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.

Workers' Compensation Insurance.

Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.

Employment Practices Liability Insurance.

If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.

1. West Virginia Department of Commerce: Expanding or Relocating.



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