General liability covers common risks for small businesses in West Virginia, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects West Virginia small businesses against data breaches and cyberattacks that affect your business or a client.
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.
Workers’ compensation is required for West Virginia small businesses that have one or more employees. It can cover medical costs for work injuries.
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.
West Virginia state law requires businesses with any employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
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:
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.
Commercial insurance can be affordable for a small West Virginia company. Factors that influence the cost include:
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.