Contractor Insurance
in West Virginia
Affordable Protection for West Virginia Builders
From Charleston to Morgantown and Huntington to the hills of Beckley—contractors across West Virginia count on ACI for reliable, affordable insurance that meets state requirements and protects their crews, tools, and job sites. Whether you’re laying concrete, wiring new homes, or managing full-scale builds, we’ll help you get covered—fast.
Why Contractors in West Virginia Choose ACI
Local Expertise
We understand West Virginia’s contractor licensing and insurance requirements, including WV Division of Labor mandates.
Same-Day Certificates
Get fast proof of coverage for permits, projects, and bidding requirements.
Flexible Payment Plans
Only 20% down with convenient monthly options—ideal for seasonal or growing businesses.
Bundled Savings
Combine policies like liability and workers’ comp to save up to 25%.
Insurance Coverage We Offer in West Virginia
- General Liability Insurance
Covers third-party injuries, property damage, and legal expenses. Often required to register as a contractor with the West Virginia Division of Labor and to meet client contract terms.
- Workers’ Compensation Insurance
Required for most West Virginia contractors with one or more employees. Covers workplace injuries, medical treatment, lost wages, and protects you from legal action.
- Commercial Auto Insurance
Needed for trucks, vans, or trailers used for business. This policy covers accident liability, property damage, and theft involving work-use vehicles.
- Tools & Equipment Insurance
Protects your tools, equipment, and jobsite gear from theft, fire, and damage—whether stored on-site, in transit, or your trailer.
- Builder’s Risk Insurance
Temporary coverage for buildings under construction or renovation. Covers materials, labor, and structures from risks like weather, fire, or vandalism—especially important in WV’s rugged terrain.
- Professional Liability Insurance
Covers professional mistakes, design flaws, or claims that a project didn’t meet expectations. Ideal for contractors offering planning, design, or project oversight services.
Who We Cover in West Virginia
ACI insures a wide range of trades across West Virginia, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
If you build, fix, or manage crews—we likely cover your trade. Request a quote today.
How Much Does Contractor Insurance Cost in West Virginia?
Your monthly premium depends on your trade, location, business size, and risk level. Whether you’re remodeling homes in Parkersburg or doing roofing work in Wheeling, ACI will match you with the right policy at the right price.
Cost Factors
- Type of Work
Higher-risk trades cost more than lower-risk services.
- Business Size
More employees or subcontractors usually means higher premiums.
- Coverage Limits
Increased coverage equals greater protection—and a slightly higher cost.
- Claims History
Fewer claims often result in lower rates.
- Location & Risk Profile
Remote jobsites, mountainous terrain, and local regulations can affect pricing.
Get a fast, custom quote based on your trade, risk level, and coverage needs.
West Virginia Contractor Insurance Requirements
General Liability Insurance
Required for many licensed contractors in West Virginia, especially when bidding on residential or commercial projects.
Workers’ Compensation Insurance
Mandatory if you have one or more employees, including part-time or temporary workers.
Commercial Auto Insurance
Applies to any business-owned vehicles or personal vehicles used regularly for work tasks like hauling tools, visiting jobsites, or transporting crew.
Requirements may vary by trade, location, and job type—ACI helps you stay compliant without overpaying.
Get a Free Contractor Insurance Quote
in West Virginia
Whether you’re building cabins in the mountains or wiring commercial buildings in Charleston, ACI makes it easy to get the coverage you need—backed by local expertise and fast service.