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Did you know that West Virginia is the 4th-best state in America for entrepreneurs? A startup in the Mountain State has a 57% chance of survival, statistics have shown. Also, more than 111k small businesses are operational in West Virginia, 98% of which are small-sized, mainly run by sole proprietors. However, solopreneurs should always get business insurance coverage.
Running a business isn’t a risk-free task; it involves plenty of troubles and roadblocks. You should get the coverage you need to ensure that your business doesn’t stumble for good due to occasional hiccups. We’ll give you a list of the best 7 insurance providers in this state.
Hiscox
Hiscox is a well-established Anglo-Bermudian insurance provider with roots dating back to 1901. Operating in the U.S. for over 40 years, Hiscox expanded into various cities in 2006, including Chicago, Illinois. Known for excellent customer service and fast response times, Hiscox offers West Virginian businesses coverage options such as contents insurance, buildings insurance, legal expenses insurance, professional indemnity insurance, and public liability insurance.
InsuranceBee
InsuranceBee offers customized insurance solutions for Mountain State entrepreneurs. Based in Maynard, MA, they provide coverage options like BOPs, cybersecurity liability, general liability, workers’ compensation, commercial bonds, and management liability. With zero-obligation quotes and services from local licensed agents, InsuranceBee ensures West Virginia businesses receive personalized protection to meet their needs.
Tivly
Tivly is an online marketplace connecting small businesses to over 200 insurance providers. Based in Oklahoma City, Tivly helps protect businesses from risks like theft, vandalism, property loss, malpractice, and arson. They offer coverage options ranging from commercial umbrella policies to errors and omissions insurance. Catering to diverse industries such as carpentry, trucking, chiropractic care, and vending machine operations, Tivly provides quick access to free quotes through their digital platform.
Thimble
Thimble provides on-demand insurance services across all U.S. states with same-day coverage. Originally launched as Verifly for drone insurance, Thimble now offers broader coverage options, including general liability, professional liability, business equipment protection, cybersecurity insurance, BOPs, and commercial property insurance. Their app simplifies policy management with features like instant quoting systems and responsive claims filing.
NEXT Insurance
NEXT Insurance provides tailored coverage for West Virginia businesses, serving over 500,000 clients nationwide. Their offerings include business owner policies (BOP), commercial auto liability, workers’ compensation, tools and equipment coverage, errors and omissions insurance, and more. Supporting over 1,300 trades, NEXT specializes in industries like education, cleaning, construction, and retail. Their platform allows businesses to quickly get quotes, purchase policies online, and download certificates of insurance instantly.
Arndt-McBee Insurance Agency
At Arndt-McBee, you can have extensive insurance options for your business in West Virginia. Whether you need insurance coverage for your commercial property, auto insurance, liability insurance, or other packages, this insurance agency will accommodate your needs. They are based in Berkeley Springs, and you can easily ask for a quote from them online. Quoting from their website: “We propose effective, economical programs to manage that risk.” They are associated with the best and highly top-rated insurance providers based in the Mountain State. So, you can easily apply for business insurance here. They work from Monday to Friday, so you can’t talk to them on weekends, which is a flaw. But this company was established in 1976 by Jerry Arndt and C. Dwan McBee, so they have a solid legacy.
CoverHound
CoverHound is an amazing insurance provider for West Virginia-based small businesses. Based in California, the folks at CoverHound cater to the commercial insurance needs of businesses in the Mountain State as well. You can get in touch with the experts at CoverHound to discuss your needs and get covered in 24 hours. Whether you need workers’ comp, general liability, cyber insurance, or something else in West Virginia, trust CoverHound.
Brief Overview of Leading Business Insurance Providers
The table below describes how the top 7 insurance companies in West Virginia differ by product and unique selling features.
| Insurance Firm | Products | Unique Selling Features |
| Hiscox | General Liability, Professional Liability (E&O), Business Owner’s Policy (BOP), Cyber Security Insurance | Tailored coverage for small businesses, streamlined online policy management |
| InsuranceBee | General Liability, Professional Liability (E&O), Business Owner’s Policy (BOP), Cyber Liability, Workers’ Compensation | Tech-savvy, fast quotes and coverage for freelancers and small businesses |
| Tivly | General Liability, Professional Liability, Commercial Auto Insurance, Workers’ Compensation | Marketplace with access to 200+ insurance affiliates, quick coverage matching |
| Thimble | General Liability, Professional Liability, Business Owner’s Policy (BOP) | On-demand coverage (hourly, daily, monthly, yearly), instant Certificate of Insurance issuance |
| NEXT Insurance | General Liability, Professional Liability, Workers’ Compensation, Commercial Auto, Business Owner’s Policy (BOP) | Digital-first insurance management, quick policy purchase within 10 minutes |
| Arndt-McBee | Focusing on tailored risk management and insurance coverage | Helps manage business risk, develop plans, purchase insurance, and file claims |
| CoverHound | Workers’ Compensation, General Liability, Cyber Liability, Professional Liability, Commercial Auto, Commercial Umbrella | Insurance shopping simplified by technology, compares quotes online, backed by trusted insurance carriers |
Top West Virginia Cities for Business Insurance
The following cities in West Virginia provide the required infrastructure support and economic environments suitable for finding business insurance solutions.
- Charleston
- Huntington
- Morgantown
- Parkersburg
- Wheeling
- Weirton
- Martinsburg
- Fairmont
- Beckley
- Clarksburg
- Bluefield
- Elkins
- Berkeley Springs
- Point Pleasant
- Charles Town
West Virginia Government Resources for Business Insurance
You can get additional information about business insurance requirements in West Virginia through these government resources.
- WV One Stop Business Portal
- WV Business Startup Wizard
- US Small Business Administration | West Virginia
Conclusion
With massive tax hikes announced for West Virginian small businesses, you should be extra careful about how to keep your new startup afloat. Hopefully, this blog has helped you find the best ways to get business insurance. You can look into Maine’s business insurance providers and leading firms for insurance coverage in Maryland as well. Don’t forget to seek financial opportunities and funding options in West Virginia. You can visit Sophisticated Investor for the latest insights on protecting and growing your business.
Brandi is a financial writer and entrepreneur with decades of expertise covering U.S. business and financial topics. Her work has been featured on Consumer Affairs, ASBN Small Business Network, Koho and many other top financial publications.
