business insurance
in west virginia

business insurance 
in west virginia

Malhotra & Assoc. Insurance Has You Covered

Commercial Insurance Experts in West Virginia

At Malhotra & Assoc. Insurance, our commercial insurance team in West Virginia knows the individual risks and exposures faced by business owners and their staff. Our expert business insurance agents have a comprehensive understanding of the commercial insurance market, and we’re here to help you get the best business coverage, with your coverage and needs in mind.

As an Independent Insurance Agency, we create tailored insurance packages that perfectly fit your key business needs. We offer honest advice, affordable prices, and a truly personalized service for all your West Virginia commercial insurance needs.

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West Virginia business insurance

Frequently Asked Questions about West Virginia Business Insurance

When it comes to commercial insurance in West Virginia, we tend to get the same questions often.

What type of commercial insurance does a new business need to buy?

The best insurance for a business will safeguard your company and personal assets while making sure you have enough protection for your staff and your customers. A business owner’s policy (BOP) covers your general liabilities, while giving you commercial property coverage. In most cases, BOP covers business interruption as well. Whether or not you have a store or staff, you will need to have basic liability coverage in place.

Do you need to buy professional liability coverage for your business?

If you are a service-based business or you provide counsel, you need professional liability coverage. Also known as professional indemnity coverage, it’s designed to give you coverage if you make an error in your work, and your client takes legal action as a result. It can help to cover the cost of legal expenses, including any compensation to affected parties. In certain professions, such as accountants, surveyors, and architects, regulators and governing authorities will require members to hold this coverage.

Insured Your Business with Malhotra & Assoc. Insurance

At Malhotra & Assoc. Insurance, our expert commercial insurance agents make it easy to understand the type of coverage you need, and get quotes from leading insurance carriers. With Malhotra & Assoc. you get honest guidance and tailored quotes that make sense for your business, your team, and your customers. Call us today or visit one of our locations!

Let Us Help You Find the Best Business Insurance

At Malhotra, our commercial insurance experts in West Virginia work hard to make sure you get the most value out of your essential commercial coverage. We serve businesses of all sizes across all sectors and search the market to bring you the best coverage at the best value.

What Types of West Virginia business insurance can we help with?

  • Workers Compensations Insurance
  • Commercial Insurance Bonds
  • Product Liability Coverage
  • Business Owner Policy
  • Professional Indemnity Coverage
  • Commercial General Liability Insurance
  • Commercial Property Insurance
  • Commercial Auto Coverage
  • Commercial Fleet Insurance

If you’re approaching your renewal date or looking to insure a new business, talk with our friendly team of experts. We will tailor your quote to your needs, while helping you navigate pricing options for the best business insurance.

More West Virginia Business Insurance FAQs

Do I need to buy commercial auto insurance in West Virginia if I use my personal vehicle for work?

If you use your vehicle for anything other than commuting to a single place of work, it’s important that you check with your insurer to identify whether or not you are covered. Although some personal auto policies will cover the specific use of a vehicle for delivering goods to customers post-covid, this cannot be assumed for all. If you transport equipment, colleagues, or clients, or you travel to different work locations and/or visit clients, you’ll need to buy commercial auto insurance.

Do I need to buy product liability coverage if I sell products on behalf of others?

Yes, regardless of whether you make the products, if you distribute or sell them in any way, then you’ll need to buy product liability to cover you in the event something goes wrong with a product. From property damage or personal injury as a result of a defect, it coverage will cover legal expenses and any related compensation claims. If, for instance, the manufacturer of a product cannot be found, then the injured party or claimant would then seek to recover costs from the seller or distributor of the goods.

Contact Us Today for a West Virginia Business Insurance Quote

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