Small Business Insurance West Virginia

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Customized business insurance in West Virginia

Small businesses recently created two-thirds of new jobs in West Virginia1 and account for almost all companies based in the state.2

Small business insurance in West Virginia makes it easier for company owners and self-employed professionals to protect their livelihoods by helping pay for events like:

  • Accusations of causing injury or property damage
  • Claims of professional errors, including missed deadlines and incomplete work
  • Employees getting injured on the job
  • Damages from accidents that happen while driving for business

NEXT Insurance helps more than 1,300 types of small businesses and self-employed workers quickly get the coverage they need online at the best price. We specialize in small business insurance, so we can easily help you find a custom insurance package that is right for you.

Continue reading to find out about the most important types of business insurance in West Virginia or start a free instant quote to review options for your business.

Business insurance coverage and requirements in West Virginia

Small businesses packages in West Virginia might include some combination of the following:


business insurance lp img1
General Liability insurance
General Liability Insurance

We recommend that most business insurance packages in West Virginia include general liability coverage.

If someone accuses your business of causing an injury or destroying property, general liability insurance helps pay for the costs of medical care and replacement items. Many commercial landlords will request proof of general liability insurance before they’ll offer a small business a lease.

General liability coverage also helps pay for lawsuit costs related to claims of injury and property damage, even those that are without merit. This includes court costs, attorney fees and any damages for which your company is held accountable.

Here’s when a small business might need to file a general liability claim:

A client says that employees of a steam cleaning company in Charleston ruined a large section of carpet by using too much heat. The cleaning firm’s general liability coverage helps pay to replace the damaged property.

Cleaning and construction companies can purchase a form of general liability coverage called tools and equipment insurance. If essential business gear is damaged, lost or stolen, this upgrade helps pay to replace or repair the equipment.

Workers' comp insurance
Workers’ Compensation insurance

Generally speaking, West Virginia law requires businesses with employees to carry workers’ compensation insurance.3 If an employee gets hurt while performing his or her job duties, workers’ comp coverage helps pay for medical bills.

In West Virginia, workers’ compensation insurance also reimburses injured employees between one-third and two-thirds of their weekly wages, depending on the nature of the disability.4

For example, an employee at a Wheeling-based house painting firm suffers a back injury after falling from a scaffold and needs medical care and three weeks to heal. The business owner’s workers’ comp coverage helps pay for the employee’s medical expenses and covers a portion of lost wages.

Commercial auto insurance
Commercial Auto insurance

Businesses that own vehicles in West Virginia need to purchase commercial auto insurance, since your personal coverage probably won’t pay for damages from business-related accidents.

West Virginia requires all drivers to carry at least $50,000 in auto insurance to pay for expenses if they injure someone and $25,000 for damaging property.5 However, if you own multiple vehicles and employees regularly drive them for work, you should strongly consider purchasing more than the minimum commercial auto coverage.

For instance, an employee of an excavation firm in Martinsburg accidentally hits another person’s car while driving the company truck and causes extensive damage. Commercial auto insurance would help pay for vehicle repairs, up to the policy’s limits.

If employees occasionally drive their own vehicles for work or rent them, you’ll want a commercial auto coverage add-on called hired and non-owned auto insurance to pay for accident damages in these situations.

Errors & Omissions
Professional Liability insurance

Claims of professional negligence can be expensive for small businesses on tight budgets. If you make a work error, miss a deadline or fail to complete a job, you might have to pay for any financial losses you caused. In a serious case, a client could sue your company for additional damages.

Business insurance in West Virginia might include professional liability insurance for these reasons. Also called errors and omissions (E&O) insurance, this form of coverage helps pay for damages and costs stemming from professional negligence accusations.

Professional liability insurance would help a small business protect its bottom line in a situation like this:

A client accuses a self-employed structural engineer in Morgantown of making a critical error when drafting building plans, which causes a major project delay and financial losses. If the client chose to sue for damages, the engineer’s E&O insurance would help pay for lawyer fees, court costs and any financial restitution that a judge ordered.

business insurance in West Virginia

How much does business insurance in West Virginia cost?

NEXT customers pay a median of $53 per month for small business insurance in West Virginia across major industries we serve. But expect your individual company’s costs to vary based on factors like:

Your industry’s and business’s risk profile. Companies that are regularly exposed to risks of injury and property damage will pay more for coverage than those that encounter fewer hazards. For instance, construction companies based in West Virginia pay a median of $69 per month, while retail store owners spend $25.

Cover types and policy limits. Carrying only one type of coverage or choosing lower policy limits will cut your insurance costs. But if there’s an unexpected event, you might have to pay more out of pocket to resolve the claim, and you might not be covered at all.

Number of employees. Businesses with more employees will have higher workers’ comp insurance costs. Providing the correct number of employees and future hire estimates will help you get the most accurate quote.

Start a quote with NEXT Insurance today to explore coverage options for your business in just a few minutes.

business insurance in West Virginia

How NEXT can help you with business insurance in West Virginia

We offer a quick and simple way for you to get business insurance quotes online, purchase coverage and share your certificate of insurance. The entire process typically takes just a few minutes.

Our team of licensed, U.S.-based advisors can help you if you have any questions.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.