West Virginia Contractors Insurance
With access to an extensive network of niche specialty markets, our West Virginia Contractors Insurance programs provide safe and affordable protection for business products and services -
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
Construction projects of all types come with some level of risk in one form or another. Common risks such as safety hazards, theft, labor shortages, increased material costs can have devastating consequences on a business owner with insufficient or no insurance coverage. The most common 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 to mitigate the financial loss caused by a claim.
A formidable contractors’ insurance package will protect your business against unforeseen losses at all hours of the day.
Protect Against the Unpredictable
Before commencing operations, general contractors, subcontractors, and specialty tradesmen should visit the WV Division of Labor to verify licensing prerequisites.
With low rates that fit any budget, our professionals are standing by to assist West Virginia contractors in obtaining an affordable quote written precisely for your business operations.
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.
A West Virginia contractors’ business liability policy provides crucial coverage for the following:
- Business Liability
- Contractual Liability
- Business Products
- Completed Operations
- Defense Expenses
- And 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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