The agents at Curtis Miller Insurance serving the Parkersburg, WV area know that if you are a business owner in West Virginia, you may wonder whether commercial insurance is mandatory for your company or small business. While West Virginia doesn’t have a specific law that requires all businesses to carry commercial insurance, it’s still highly recommended and, in many cases, necessary.

Remember that all drivers in West Virginia must have at least a liability auto insurance policy to drive on public roads legally. This includes any vehicles that are driven for your business or owned by your company.

Workers’ compensation also falls under commercial insurance, so you may want a workers’ compensation policy if you have employees working for you.

What Does Commercial Insurance Cover?

If your business suffers a fire, an act of vandalism, or a natural disaster and your products are damaged or destroyed; commercial insurance will come in handy. It can help you replace lost items so that you can continue your business and make a living. Commercial insurance can also help protect you if someone files a lawsuit against you if they fall or are injured at your company. Commercial insurance also covers stolen items, which often happens if you own a store or other retail establishment.

Regarding commercial insurance, it is better to be safe than sorry. This means that you should not wait until some catastrophe happens that affects your business and your livelihood to find out you should have had a commercial insurance policy in the first place.

Contact Curtis Miller Insurance

To create the best commercial insurance policy for you and your business, contact the trustworthy and experienced commercial insurance agents at Curtis Miller Insurance serving the Parkersburg, WV area today to get your policy started!