Commercial Insurance
Insurance That Works
as Hard as You Do
Whether you’re running a local shop, pouring concrete, or managing rental properties, we’ve got coverage that’s built for how you actually do business. We help folks all over Ripley, Parkersburg, Charleston & surrounding towns protect what they’ve worked hard to build—with policies that make sense, not sales pitches.
Business & Commercial Insurance
This is your foundation—coverage that keeps your business legal, protected, and ready for whatever the day throws your way. Whether you’re just starting out or growing fast, we help small businesses across West Virginia get the right mix of property, liability, income, and auto protection—plus things like workers comp and cyber coverage if you need it.
Construction & Contractor Insurance
If you work with your hands, we’ve got your back. From general contractors to one-man crews, we offer policies built for the way you work—on jobsites, with tools, and on the move. Whether you're digging, fixing, wiring, or building from the ground up, we’ll help you stay covered every step of the way.
Retail, Service & Hospitality Insurance
When you run a storefront, a restaurant, or a service-based business, your risks are different—and your insurance should reflect that. We offer industry-specific policies for everything from diners and shops to gas stations, car washes, and event spaces. If you serve the public, we’ll help you protect your people, your property, and your bottom line.
Real Estate & Property Insurance
Managing property comes with a long list of responsibilities—and risks. We help landlords, HOAs, property managers, and commercial real estate owners protect their buildings, tenants, and investments with targeted coverage that’s easy to understand and flexible enough to grow with your portfolio.
Specialized Business Insurance
Some businesses don’t fit neatly into a box. That’s why we offer flexible insurance options for specialized industries like trucking, farming, daycare centers, churches, and more. Whether you're running a rural operation, a professional office, or a unique service business, we’ll help you find smart, affordable coverage made for what you do.
FAQ
What kind of coverage does a small business really need?
It depends on what you do, but we usually recommend a BOP (business owners policy), general liability, and commercial auto at a minimum.
Do I need workers comp for part-time employees?
Yes—if they’re on payroll, West Virginia usually requires it. We’ll help you get set up the right way.
How much does commercial auto insurance cost?
It varies by vehicle and business type. We’ll shop around to find the right rates for your fleet or work van.
Do you offer bonding services?
We do. Surety bonds are available for contractors, permit requirements, license renewals & more.