Best General Liability Insurance in West Virginia (2025)

MoneyGeek identified the best general liability insurance providers in West Virginia by considering important variables like pricing, financial stability, client satisfaction and the online quote procedure. We declared Thimble the best insurer due to its impressive scores across these metrics. This provider charges an average monthly premium of $66 for LLCs with 20 employees and $22 for sole proprietors without an employee.

When prioritzing rates, MoneyGeek found that Next provides the most affordable general liability insurance for small company owners in West Virginia. General liability insurance from Next is priced at $28 for sole proprietors with no workers and $25 per month for a LLC with 20 employees.

We ranked Thimble as the number one general liability insurance provider in West Virginia. This insurer earned a MoneyGeek score of 92 out of 100.

The following table compares the average pricing and MoneyGeek ratings of the West Virginia service providers we researched.

At an average of $28 per month for LLCs and $25 per month for sole proprietors, Next provides West Virginia's most affordable general liability insurance.

MoneyGeek’s affordability scoring combines the monthly fees for sole proprietors and LLCs to rank insurers in this category. As a result, our winner might not always offer the lowest price for both entities.

Nationwide is the best general liability insurance provider for employers in West Virginia. It received an MG score of 96 out of 100. The average monthly premium for LLCs with 20 employees was the basis for our rankings. Nationwide’s average rate for these LLCs is $45 a month.

The number of employees significantly impacts how much general liability insurance costs. Fewer than 20 employees will lead to generally cheaper premiums, and those with over 20 will usually spend more.

Thimble offers the best West Virginia general liability insurance for sole proprietors, earning a MoneyGeek score of 95 out of 100. Its rates for these policyholders average $22 a month.

For this category, we based our rankings on the average general liability premiums for sole proprietors. This type of insurance may cost more for those working in more hazardous professions, like construction.

Although West Virginia state law does not mandate general liability insurance, buying a policy to safeguard your company from financial loss due to liability claims from third parties makes sense. General liability insurance offers protection for:

• Personal and advertising injury: General liability insurance pays for your legal fees and losses if a customer or employee sues your company or employees for copyright infringement, libel or slander.
• Third-party bodily injuries: General liability insurance assists in covering medical expenses if a client is hurt while visiting your establishment.
• Third-party property damage: General liability insurance covers costs associated with property damage to third parties brought on by your company or its personnel.

In some industries, having general liability insurance may be necessary to win contracts or get business permits.

Businesses in West Virginia with more than three employees are required to carry workers' compensation insurance and other types of business insurance. Company-owned automobiles must also obtain commercial auto insurance with the following minimum liability limits:

• $25,000 per person
• $50,000 per accident for bodily injury
• $25,000 for property damage

For LLCs with 20 employees, general liability insurance in West Virginia costs an average of $66 per month, whereas it costs just $29 per month for sole proprietors with no employees.

Note that these prices apply to a policy with a $0 deductible, a $1 million occurrence limit and an aggregate limit of $2 million. The occurrence limit is the maximum amount an insurer can cover per claim. The aggregate limit signifies the highest amount an insurance company can pay for claims within a policy period. The deductible is the sum that business owners are responsible for paying before insurance begins to cover expenses.

Depending on a few specific factors, the price of general liability insurance varies for every business. The most significant among them are:

Various factors, including your unique business demands, will determine which general liability insurance package is ideal for you. Here are some answers to the most frequently asked questions to help you make more informed decisions.