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Recommended insurance policies for small businesses in West Virginia
General liability insurance
General liability covers common risks for small businesses in West Virginia, including customer property damage and injuries. Commercial leases often require this policy.
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy protects West Virginia small businesses against data breaches and cyberattacks that affect your business or a client.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
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.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation
Workers’ compensation is required for West Virginia small businesses that have one or more employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Commercial auto insurance
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.
- 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?
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.
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?
Business insurance policies can be affordable for sole proprietors and small companies with low risks. Based on policy data from TechInsurance customers in West Virginia, the average premiums are:
General liability: $44 per month
Professional liability / E&O: $71 per month
Business owner's policy: $85 per month
Factors that influence the cost of business insurance include:
- Type of business
- Business operations
- Number of employees
- Location, such as Weirton or Wheeling
- Policy limits and other coverage options
- Claims history
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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