West Virginia Business Insurance

Customized protection for your West Virginia business

Small businesses in West Virginia should consider carrying business insurance because it can help shoulder the financial burden of a claim against their livelihood. This can include an employee injury, a customer slip and fall, or a client claim of professional negligence.

There are over 109,000 small businesses in West Virginia that make up 99.8% of all businesses in the state, according to the U.S. Small Business Administration (SBA). The 263,000 people employed by these small businesses must be protected by their employer’s workers’ compensation policy.

Luckily, getting the right coverages for your business is simple with the Progressive Advantage^® Business Program. Our insurance experts will help you create a customized policy if you need workers’ compensation, general liability, a business owners policy (BOP) or a combination of coverages.

Types of WV business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in West Virginia should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in West Virginia are required to have workers' comp insurance if they have three or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

West Virginia businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in West Virginia?

Many factors influence the cost of business insurance in West Virginia, including a business’s size, location and experience. For example, a business located in Huntington can expect a different cost than a business located in Charleston, or a business that’s been established for decades might pay less than one that’s only been in business for two years.

One of the most important factors is the type of work your business specializes in. Some businesses are exposed to more risk daily than others. For example, a general contractor who works with multiple subcontractors is exposed to more risk than a woodworker who works on their own.

West Virginia business insurance requirements

Businesses in West Virginia with three or more employees are required by state law to carry workers’ compensation insurance. Agricultural employers with less than five employees, employers of domestic services and churches are exempt from this requirement, but they can still choose to purchase a policy to protect their workers.

Visit the West Virginia Department of Labor website if you’re unsure whether you need workers’ comp for your business.

While workers’ compensation is the only business insurance required by law, carrying additional business coverages, like general liability, is something every business owner should consider. They can help minimize the financial stress that often comes with an incident involving their business.

Resources for West Virginia small business owners:

West Virginia Small Business Development Center (WVSBDC)
WV One Stop Business Portal (WV.gov)
2023 West Virginia Small Business Profile (U.S. Small Business Administration)

West Virginia professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single West Virginia policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.