Business & Commercial Insurance

Business Protection You Can Actually Understand

Running a small business comes with enough challenges—you shouldn’t have to add confusing insurance to the list. We help business owners across Ripley, Parkersburg, Charleston, and nearby towns protect their hard work with smart, flexible coverage built for real life.


Whether you're starting out, growing fast, or just want a second opinion on your current coverage, we’ll help you cover the important stuff without overcomplicating things.

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Business Owners Insurance (BOP)

Bundle property, liability, and business income coverage into one simple package—perfect for small and mid-sized businesses.

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Commercial Insurance

Custom-built plans for shops, offices, service providers & entrepreneurs who need broad protection tailored to their business.

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Commercial Property Insurance

Covers your buildings, inventory, tools, and other property from fire, theft, weather damage, and more.

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Commercial General Liability Insurance

Essential protection for bodily injury, property damage, and lawsuits that can hit businesses of all sizes.

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Commercial Auto / Business Auto Insurance

Whether you’ve got one work truck or a whole fleet, we’ll help you compare commercial auto insurance rates and find the best fit.

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Business Income Insurance

If your business gets interrupted (fire, storm, major equipment failure), this helps replace lost income until you’re back on track.

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Business Interruption Insurance

More than income—it helps cover extra expenses if you need to relocate or pause operations temporarily.

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Cyber Liability Insurance

Even small businesses are targets for data breaches. This protects you if customer data, payment info, or business emails are compromised.

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Professional Liability Insurance (E&O)

If you give advice or professional services, E&O insurance protects you against claims of errors, negligence, or bad advice.

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EPLI (Employment Practices Liability Insurance)

Covers claims like wrongful termination, harassment, or discrimination brought by employees.

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Workers Comp Insurance

Required in West Virginia if you have employees—and smart even if you don’t. We’ll help you find affordable workers comp insurance costs in Parkersburg, Ripley & beyond.

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Surety Bonds

Need to be bonded for a job, license, or permit? We can help with quick, easy bond options.

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How We Help

We work with a variety of top-rated carriers to find you real options—not just the "one size fits all" plans. We’ll help you figure out exactly what you need (and what you don’t), explain it clearly, and make sure you’re getting the best deal possible without losing sleep over the fine print.

FAQ

  • What’s the difference between a BOP and separate policies?

    A BOP bundles property, liability, and business interruption into one simple, cost-effective plan—ideal for many small businesses.

  • Is cyber liability insurance really necessary for small businesses?

    Yes—even small businesses are at risk. Cyber insurance covers things like customer data breaches, ransomware attacks, and online business disruptions.

  • Do I need business auto insurance if I use my personal vehicle for work?

    Most personal policies won’t cover work use. If you drive for business (even just deliveries or client visits), commercial auto insurance is a smart move.

  • How much does workers comp insurance cost?

    It depends on your business type, size, and payroll. We’ll help you find competitive workers comp insurance rates in Parkersburg, Ripley, and across WV.