A quick quote can save you up to 65% or more with
West Virginia’s top contractors' insurance programs –
Contractors
Insurance
West Virginia
West Virginia
Contractors Insurance
Stop overpaying for coverage in the Mountain State!
A quick quote can save you up to 65% or more with West Virginia’s top contractors’ insurance programs –
Coverage for West Virginia Contractors
With access to a comprehensive network of construction specialty markets, our West Virginia Contractors' Insurance programs provide safe and affordable coverage for business products and services –
What is West Virginia Contractors’ Insurance?
West Virginia contractors’ insurance protects against the financial risks inherent in all stages of business operations.
Why Do I Need It?
From Morgantown to Charleston, construction projects of all types come with various levels of risk. Common issues such as safety hazards, theft, labor shortages, and increased material costs can have devastating consequences for a business owner with insufficient or no insurance coverage. The most effective way to protect your business is to transfer the risk to a highly-rated insurance carrier willing to assume the defined exposure for a premium, mitigating the financial loss caused by a claim.
Our robust contractors’ insurance package ensures your business is protected against unforeseen losses, providing round-the-clock security.
Protect Against the Unpredictable
General contractors, subcontractors, and specialty tradesmen should visit the WV Division of Labor to verify licensing prerequisites before commencing operations.
With our low rates that fit any budget, our professionals are standing by to assist West Virginia contractors in obtaining an affordable quote with excellent customer service—all bundled into one, making the process convenient and stress-free for you!
Our Recommended Products
General Liability
General Liability
A West Virginia contractors’ general liability policy is the foundational component of a well-structured insurance portfolio.
West Virginia contractor general liability insurance protects against third-party injury and property damage claims.
West Virginia contractor liability insurance provides essential coverage for:
- Liability Resulting from Property Damage
- Liability Resulting from Bodily Injury
- Liability Assumed Under a Contract
- Products and Completed Operations
- Personal and Advertising Injury
- Defense Costs
- And Much More
Workers' Comp
Workers' Comp
West Virginia contractors’ workers’ compensation is a no-fault benefits program for employees who suffer from on-the-job injuries or illnesses.
West Virginia contractor workers’ comp insurance provides:
- Medical Benefits
- Disability Benefits
Failing to adhere to West Virginia contractors’ workers’ comp regulations may result in heavy fines and penalties.
Please visit the West Virginia Offices of the Insurance Commissioner to verify specific employer rules, regulations, and insurance prerequisites.
Surety Bonds
Surety Bonds
West Virginia contractor bonds guarantee customers that the principal will comply with the terms outlined in an awarded contract.
A West Virginia contractors’ surety bond may be required to bid on a residential, commercial, or public works project.
Unlike a contractors’ insurance policy, West Virginia contractors’ surety bonds are more similar to a business line of credit.
Commercial Auto
Commercial Auto
West Virginia contractors’ business auto insurance protects companies against financial liability caused by damaged vehicles and injured occupants of an accident or vehicles damaged by vandalism or theft.
A West Virginia contractors’ commercial auto policy provides essential coverage for:
- Bodily Injury
- Property Damage
- Comprehensive Damage
- Collision Damage
- Uninsured Motorists
- Hired & Non-Owned Vehicles
- Medical Payments
- And Much More
Inland Marine
Inland Marine
A West Virginia contractors’ inland marine policy provides all perils coverage for business property — such as tools, products, equipment, and material — while in transit, at a job site, or stored at an off-site location.
“Installation” or “builders” risks, vandalism, damaged leased or rented equipment coverage can be provided via West Virginia contractor inland marine insurance.
West Virginia contractor tool and equipment insurance will protect against such common perils:
- Wind
- Hail
- Fire
- Water
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