National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. of businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars

Business Insurance in West Virginia FAQ - Quick Answers

Business insurance in West Virginia will vary in cost for every operation. While you can't know your exact pricing without a quote, you can understand risk factors used when rating your coverage:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

In West Virginia, business insurance isn't required unless you meet the conditions below:

While each business will have different needs when it comes to commercial insurance, there are foundational coverages used by most. Here are some policies that could apply to your operation:

West Virginia general liability insurance is usually your primary policy and it helps protect your business in the following ways:

Business health insurance can be purchased through a local independent insurance agent just like your other commercial policies. In West Virginia, you won't be mandated to offer health coverage with fewer than 50 employees.

In West Virginia, Hiscox, Hanover, Travelers, and Nationwide are highly rated among peers for business owners. This is due to their exceptional customer service and claims handling.

Do You Know What Your Business Insurance Covers in West Virginia?

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