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Small Business Insurance in West Virginia

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Recommended insurance policies for small businesses in West Virginia

General liability insurance

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General liability covers common risks for small businesses in West Virginia, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

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This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects West Virginia small businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

Business owner’s policy icon

This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a West Virginia small business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

Workers’ compensation insurance icon

Workers’ compensation is required for West Virginia small businesses that have one or more employees. It can cover medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by West Virginia small businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in West Virginia?

State laws can affect which policies you need for your small business. These policies are required for West Virginia businesses.
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Workers' compensation insurance

West Virginia state law requires businesses with any employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses in West Virginia must be covered by commercial auto insurance.

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

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small West Virginia company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for West Virginia technology professionals

Our agents are experts in insurance for West Virginia technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the West Virginia Offices of the Insurance Commissioner 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.

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