Best Small Business Insurance in West Virginia

NEXT ranks first in West Virginia at $105 monthly with instant COI downloads and app-based claims filing. It's best for West Virginia businesses that need to send proof of insurance to clients or landlords the same day they buy coverage.

NEXT averages $105 monthly ($1,258 annually) with the lowest workers' comp rates in West Virginia at $72 monthly, helping you stay compliant without overpaying. Professional liability ranks second at $76 monthly. General liability and BOPs cost more (ranks fifth and eighth), so compare quotes from other providers.

NEXT ranks first nationally for policy management and renewal ease, with a 4.8 rating for digital experience. This matters when you need a COI fast. Claims processing ranks fourth, so you may wait longer than other insurers when filing after an accident.

NEXT bundles tools and equipment coverage with general liability for contractors and cleaners, protecting your gear from theft or damage on West Virginia jobsites. Add hired and non-owned auto coverage if employees drive personal vehicles for deliveries or client visits, plus cyber liability endorsements up to $250,000.

The Hartford ranks second in West Virginia with the state's lowest rate at $88 monthly, combining affordability with first-place financial stability and second-place customer service. It's best for West Virginia businesses that need budget-friendly coverage backed by experienced claims specialists when something goes wrong.

The Hartford offers West Virginia's cheapest small business insurance at $88 monthly ($1,058 annually), ranking first for general liability, professional liability and BOPs with all three priced well below state averages. This saves you hundreds annually, while workers' comp ranks second at $73 monthly.

The Hartford ranks first nationally for overall satisfaction, claims and customer service, meaning faster claim resolutions and experienced specialists when you file. Its digital experience ranks tenth, so online policy management lags behind competitors like NEXT.

The Hartford includes equipment breakdown in BOPs at no extra charge and provides free online certificates of insurance for client and landlord requirements. You can add crime and employee theft endorsements for retail or food businesses, plus employment practices liability up to $25,000 when hiring your first employees.

Simply Business ranks third in West Virginia at $101 monthly and leads the state for coverage breadth, letting you compare quotes from multiple insurers in one place to find your best price. It's best for West Virginia businesses shopping around to balance coverage needs with budget, especially if you want options without calling multiple agents.

Simply Business averages $101 monthly ($1,215 annually) and ranks second for general liability at $100 monthly, well below the state's $109 average. BOPs rank third at $150 monthly, saving you about $50 annually compared to the state average. Professional liability and workers' comp rank fourth and fifth.

Simply Business ranks third nationally for digital experience, making online quotes and policy comparisons easy. Customer service ranks sixth, while claims processing ranks eighth, so you may wait longer than providers like The Hartford when filing after an incident.

Simply Business offers multiple BOP endorsements including equipment breakdown for machinery failures, employee theft protection for retail and food businesses, and cyber liability for data breach costs. Add inland marine coverage if you transport tools and equipment between West Virginia jobsites, plus errors and omissions endorsements to general liability policies.