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WEST VIRGINIA BUSINESS INSURANCE

A tailored insurance policy from Selective and your independent agent can help protect your unique business.

Amid West Virginia’s mountains, forests, and river valleys are businesses serving diverse industries, such as construction, manufacturing, and auto services.

Securing comprehensive commercial insurance can help protect your business from general and industry-specific risks wherever you operate in West Virginia.

You can rely on Selective and your independent agent to create a business insurance policy that meets your business's unique needs.

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BUSINESSES WE INSURE IN WEST VIRGINIA

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve West Virginia businesses of almost any size, including, but not limited to:

• Contractors – general contractors (residential and commercial), electrical, building services, land grading, heavy construction, siding and sheet metal, painting and paper hanging

• Manufacturers and Wholesalers – electronics and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures

• Professional Offices – law firms, advertising agencies, medical offices, real estate agencies, architects, accounting firms

• Mercantile Services – retail food & fine dining, retail goods, public golf courses

• Auto Services – including repair shops, body shops, and dealers

• Consumer Assistance Programs – social services, senior living, religious organizations, municipalities, volunteer fire departments

Don't see your profession or want more information? Find a local independent agent in West Virginia for answers and a business insurance quote.

PROTECT YOUR WEST VIRGINIA BUSINESS WITH INSURANCE FROM SELECTIVE

Selective and your independent agent can help you reduce risk and protect your business by customizing a business insurance solution fit just for you.

Business Interruption

Business interruption insurance helps protect your company against income loss in case of a covered incident that forces you to suspend business operations. This type of insurance also assists with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not usually cover damages or losses from flooding, earthquakes, mudslides, and other natural disasters. However, there are additional coverages you can purchase to help protect against these risks.

Business liability insurance in West Virginia can help protect your company from liability claims, including allegations of third-party property damage, bodily injury, false arrest, reputational damage, and more. In addition to providing financial protection, commercial general liability insurance may help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Commercial property insurance can help protect your physical assets, including furniture, inventory, and business equipment. This may also pay for repair or replacement costs in the event of losses due to fires, vandalism, or other covered risks that may cause structural damage to your insured building or its contents.

Ensuring the safety and security of your assets is crucial for any company, as is keeping your business running after a loss, so talk to your independent agent about West Virginia business insurance from Selective.

“I love talking with your highly skilled, extremely polite, helpful staff. Every time I call, no matter what my needs or questions are, they’re always answered in a manner that’s easily understood.”

Commercial Customer

Additional Coverages for West Virginia Businesses

While general liability and property insurance are essential for every business, Selective offers additional insurance coverages and enhancements in West Virginia to help address your specific risks and needs, including:

Workers Compensation – can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. This can also help protect you as a business owner by helping pay for legal costs in the event an injured worker sues your business.
Commercial Flood Insurance – in West Virginia helps protect your physical buildings or structures from flood-related losses, including damage to the foundation, walls, HVAC, wiring, and more. It also covers the contents, including furniture, equipment, inventory, and more.
Product Recall Coverage – can help your business navigate product recalls, minimize financial losses, and pay for covered expenses such as hiring temporary employees or product disposal.
Management Liability Insurance – is a suite of coverages that can help protect your business from financial losses not typically covered under standard commercial general liability policies. MLI coverages include Directors and Officers (D&O), Employment Practices Liability Insurance (EPLI), and Fiduciary Liability (FLI).
Commercial Auto Insurance – can help protect your company vehicles and drivers on and off the road. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

Cyber Liability Insurance for West Virginia Businesses

Cyberattacks can take many forms. Whether you've heard of them as ransomware, cyber extortion, social engineering, data breach, or security breach, cybercrime is a growing threat that all businesses should prepare for.

Click here to Get Cyber Liability Insurance about Cyber Liability Insurance for West Virginia Businesses

Get Broad and Convenient Coverage in West Virginia from a Business Owners Policy

A Business Owners Policy (BOP) is a practical insurance solution that can help protect your business's assets against losses caused by property damage, lawsuits, or other accidents. Instead of purchasing separate policies for property, liability, and business income insurance, a BOP conveniently bundles these basic coverages into a single, budget-friendly insurance policy.

Your independent West Virginia insurance agent can help you decide if a Business Owners Policy meets your needs.

FIND AN INDEPENDENT INSURANCE AGENT IN WEST VIRGINIA

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FREQUENTLY ASKED QUESTIONS ABOUT WEST VIRGINIA'S BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in West Virginia?

The cost of commercial insurance varies from business to business in West Virginia. Factors that can affect your cost include (but are not limited to) the number of employees, location, payroll, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy to match.

Is Workers Compensation Insurance Mandatory for Employers in West Virginia?

Businesses in West Virginia must carry worker's compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers' compensation insurance, you may be held liable for all benefits provided under West Virginia law if an employee gets injured or becomes ill on your premises. A worker's compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.