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Buy West Virginia Business Insurance Policies

West Virginia is powered by small businesses. biBERK is trusted by many companies for West Virginia business insurance. We offer flexible policies to protect you from the many types of risk West Virginia businesses face.

West Virginia Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. For example, if a worker falls off a ladder and breaks their ankle, the associated costs may be covered. Workers’ comp can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored West Virginia workers’ compensation insurance to fit your needs.

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West Virginia Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. For instance, if you’re an accountant and failing to file a tax return for your client on time causes their business to lose money, you can be protected if they sue you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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West Virginia Cyber Insurance

This type of commercial insurance in WV can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data. has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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We Cover all Kinds of Professionals and Businesses in West Virginia , Including:

  • Accountants
  • Appliance repair companies
  • Auditors
  • Bars, lounges, and nightclubs
  • Beauty salons and barber shops
  • Car repair shops
  • Carpentry services
  • Clerical office employees
  • Computer programmers
  • Contractors
  • Detective patrol agencies
  • Electrical contractors 
  • Farmers' markets
  • Fast food restaurants
  • Fence installers
  • Heating and air conditioning
  • Insurance companies
  • Landscapers
  • Lawyers
  • Medical and dental practices
  • Messengers 
  • Painting companies
  • Photographers and videographers
  • Plumbing services
  • Real estate companies
  • Recreation services
  • Restaurants
  • Social services organizations
  • Stores
  • Tile companies
  • Trucking companies

Why biBERK for WV Business Insurance?

We’re the experts when it comes to small business insurance in WV.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Small Business Insurance in WV?

Whether it’s WV workers’ compensation or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

Your Statewide Source for West Virginia Business Insurance

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

    • Business insurance in Morgantown, WV
    • Business insurance in Charleston, WV
    • Business insurance in Mt. Hope, WV
    • Business insurance in Fairmont, WV
    • Business insurance in Martinsburg, WV
    • Business insurance in Wheeling, WV
    • Business insurance in Huntington, WV
    • Or any West Virginia location!

What do biBERK Customers Say?

What West Virginia Business Insurance is Required?

Workers' Compensation

In West Virginia, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in West Virginia without a workers’ comp policy.

Other Policy Considerations

Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance in West Virginia Cost?

The cost of commercial and business insurance in West Virginia depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. You can get instant business insurance quotes on our website whenever it’s convenient for you!

West Virginia Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in West Virginia and save up to 20%.