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West Virgnia Commercial Auto Insurance: Quotes From $47/mo

Table of contents
1. What is West Virginia Commercial Auto Insurance?1.1. Auto Liability Coverage1.2. Collision Coverage1.3. Comprehensive Coverage1.4. Uninsured/Underinsured Motorist Coverage2. Vehicles Covered in Commercial Auto Insurance West Virginia2.1. Cargo Vehicles2.2. Passenger Cars2.3. Work Vehicles2.4. What’s Not Covered in Commercial Vehicle Insurance in WV?3. Which Businesses or Professions Can Benefit From WV Commercial Auto Insurance?3.1. Commercial and Home Cleaning Companies3.2. Commercial Painters3.3. Fleet and Freight Companies3.4. Food Delivery Companies3.5. General Contractors3.6. HVAC Companies3.7. Landscaping Companies3.8. Tour and Travel Companies3.9. Ridesharing Businesses4. Add-Ons for Commercial Auto Insurance in West Virginia4.1. Consumables Coverage4.2. Depreciation Waiver Coverage4.3. Engine Protection Coverage4.4. Hired Car Coverage4.5. Motor Legal Expenses Coverage4.6. Roadside Assistance Coverage5. Under What Situations/Incidences Can You Use Commercial Auto Insurance West Virginia?5.1. Bodily Injuries5.2. Medical Expenses5.3. Collision Damages5.4. Weather-Related Natural Calamities6. What Are the Requirements for Commercial Auto Insurance in West Virginia?7. Why Should You Purchase WV Commercial Auto Insurance?7.1. Liability Protection7.2. Comprehensive Coverage7.3. Theft and Vandalism Coverage7.4. Medical Payments Coverage7.5. Uninsured Motorist Coverage7.6. Business Continuity8. Costs for West Virginia Commercial Auto Insurance9. Best West Virginia Commercial Auto Insurance Company9.1. NEXT 9.1.1. Pros9.1.2. Cons9.2. CoverWallet 9.2.1. Pros9.2.2. Cons9.3. The Hartford 9.3.1. Pros9.3.2. Cons9.4. Tivly 9.4.1. Pros9.4.2. Cons9.5. Hiscox 9.5.1. Pros9.5.2. Cons9.6. Thimble 9.6.1. Pros9.6.2. Cons

It's estimated that there are at least 19,987 car accidents a day and 7.3 million accidents in a year. Out of these accidents, approximately 118 deaths are recorded in a day. Out of 63 people, one person is at risk of getting in a vehicle accident. 

And if you live in West Virginia, these risks increase by two folds due to the unpredictability of weather conditions this state faces and the increased incidents of speeding and aggressive driving. With all this in mind, it's only paramount that every business owner purchases WV commercial auto insurance. 

Commercial auto insurance protects you and your business vehicles. It covers business-related trucks, vans, and cars. This insurance covers car theft, damage, and accidents. In addition, it covers bodily injury and property damage caused by your commercial vehicles. With West Virginia commercial auto insurance, your company's assets will be protected.

What is West Virginia Commercial Auto Insurance?

This business insurance protects you from any financial consequences you may be subjected to if your commercial vehicle gets damaged or causes third-party bodily injuries or property damage. This policy grants the following:


Auto Liability Coverage

This coverage protects you from legal expenses and financial obligations if you are sued for damages caused by your commercial vehicle. It includes bodily injury and property damage liability, covering medical expenses, legal fees, and property repair or replacement costs for third parties involved in an accident.

If your delivery truck collides with another vehicle, causing injuries to the driver and damaging their car, your auto liability coverage would help pay for their medical expenses and vehicle repairs.


Collision Coverage

This component covers the costs of repairing your commercial vehicle following a collision with another vehicle or object, regardless of fault. It reimburses you for damages up to the actual cash value of your vehicle. Example: If your commercial van collides with a tree and sustains significant damage, collision coverage would help cover the repair or replacement costs.


Comprehensive Coverage

Comprehensive coverage protects your commercial vehicle against damages caused by non-collision incidents, such as fire, theft, vandalism, or weather-related events like hailstorms or floods. It reimburses repairs or replacements based on the vehicle's actual cash value.


Uninsured/Underinsured Motorist Coverage

This insurance component covers you if you are involved in an accident with a motorist who does not have liability insurance or whose coverage is insufficient to cover your losses. It helps pay for your medical expenses and vehicle repairs. Uninsured motorist coverage protects if you are in an accident with a motorist with liability insurance not enough to cover your losses. It helps bridge the gap between the other party's inadequate coverage and your actual expenses.

The make of your commercial vehicle and its engine model are some of the factors that determine your monthly and annual commercial vehicle insurance premium rates. The type of commercial vehicle insurance you choose and the type of commercial vehicle you want to insure are also premium rate-determining factors.


Vehicles Covered in Commercial Auto Insurance West Virginia

Commercial auto insurance covers a wide range of vehicles used for different purposes. Here are the vehicle categories explained:


Cargo Vehicles

West Virginia commercial auto insurance covers box trucks and dump trucks, which haul and unload loose items like gravel and construction debris. Flatbed and enclosed trailers convey huge or fragile freight. Covered moving vans with ramps or lift gates transport furniture efficiently. To meet commercial transportation demands, tempos and trucks of various sizes and capacities are provided.


Passenger Cars

West Virginia commercial auto insurance covers taxis and cabs that provide on-demand city transportation. School buses are also covered. Private buses convey tour groups, employees, and eventgoers. Rickshaws, small, manually, or electrically driven urban transportation vehicles, are also passenger vehicles.


Work Vehicles

West Virginia commercial auto insurance covers industry-specific work vehicles. Farmers use tractor engines and attachments for plowing, tilling, and hauling. In warehouses, building sites, and factories, forklifts lift and move big goods. Covered bulldozers push and level materials during construction or earthmoving jobs.


What’s Not Covered in Commercial Vehicle Insurance in WV?

While commercial vehicle insurance provides coverage for a wide range of risks, there are certain situations and circumstances that are typically not covered by commercial vehicle insurance in West Virginia. Here are some common exclusions:

  • Terrorism acts

  • Electrical and mechanical breakdown

  • Intentional or planned accidents

  • Pollution

  • Personal vehicles

  • Damages caused by war, riots, rebellion, or insurrection


Which Businesses or Professions Can Benefit From WV Commercial Auto Insurance?

Commercial auto insurance can benefit various businesses and professions, including:


Commercial and Home Cleaning Companies

Commercial auto insurance can benefit cleaning companies that use vehicles to transport equipment, supplies, and employees to various client locations. It provides coverage for accidents, damages, and liabilities that may arise during transportation.


Commercial Painters

Commercial painters must frequently transport their tools, ladders, and paint to various job locations. Commercial auto insurance provides coverage in the event of accidents, theft, or damage to the vehicles and their contents.


Fleet and Freight Companies

Businesses that operate a fleet of vehicles or engage in freight transportation can greatly benefit from commercial auto insurance. It provides coverage for the vehicles, drivers, cargo, and any potential liabilities arising from accidents or damages during transportation.


Food Delivery Companies

With the rise of online food delivery services, commercial auto insurance becomes essential. It protects food delivery drivers and their vehicles from accidents, theft, or damage during the delivery process. It also covers potential liabilities if there are any accidents or injuries caused by the drivers.


General Contractors

General contractors often need to transport tools, equipment, and materials to construction sites. Commercial auto insurance provides coverage for accidents, damages, theft, or vandalism to the vehicles and the cargo being transported. It also offers liability protection in case of accidents involving contractor-owned vehicles.


HVAC Companies

HVAC companies frequently transport technicians and equipment to service calls using vans or vehicles. Commercial auto insurance provides coverage for incidents, damages, and liabilities that may occur on the job or during transportation.


Landscaping Companies

Landscaping companies rely on vehicles to transport equipment, tools, and materials to different client sites. Commercial motor insurance covers accidents, thievery, vandalism, and cargo damage. It also protects against company-vehicle accidents.


Tour and Travel Companies

Tour and travel companies frequently use vans or buses to transport passengers to various destinations. Commercial auto insurance provides coverage for potential transportation-related incidents, damages, and liabilities. It guarantees the protection and safety of both vehicles and passengers.


Ridesharing Businesses

Platforms for ridesharing, such as Uber and Lyft drivers need business motor insurance. It covers ridesharing vehicle damage, theft, and vandalism. Passenger liability is also covered.


Add-Ons for Commercial Auto Insurance in West Virginia

In addition to the core coverage components, commercial auto insurance in West Virginia may offer various add-ons or optional coverage options that businesses can consider to enhance their insurance protection. These add-ons provide additional coverage for specific risks or situations. Here are some common add-ons for commercial auto insurance in West Virginia:


Consumables Coverage

This add-on covers the cost of things that are used up quickly and may need to be replaced or restocked after an accident or damage. These items consist of AC gas oil, engine oil, transmission oil, power steering oil, coolant, and other fluids of a similar nature. It ensures that these consumable costs are covered by your commercial auto insurance policy.


Depreciation Waiver Coverage

When you purchase a new commercial vehicle, its value starts depreciating immediately. If your new vehicle is involved in an accident that renders it beyond repair, this add-on ensures that you receive financial assistance to compensate for the loss of the vehicle's value due to depreciation. It helps you receive a higher claim amount than what would be given based on the depreciated value.


Engine Protection Coverage

This add-on provides coverage for the repair or replacement costs of your commercial vehicle's engine or engine components. In the event of engine damage due to accidents, mechanical failures, or other covered perils, this coverage ensures that the expenses associated with repairing or replacing the engine are taken care of.


Hired Car Coverage

If you lease or rent commercial vehicles and they become unavailable due to an insured risk, such as an accident or theft, this add-on provides financial aid to cover the cost of renting a replacement vehicle. It helps you continue your business operations without interruptions caused by the unavailability of your own commercial vehicles.


This add-on offers coverage against legal expenses incurred as a result of motor-related lawsuits and prosecutions. It protects your business from legal bills, court charges, and other legal expenses resulting from commercial vehicle accidents.


Roadside Assistance Coverage

This add-on provides assistance in case your commercial vehicle breaks down while on the road. It covers the cost of emergency services such as towing, tire changing, fuel delivery, battery jump-start, and other necessary roadside assistance. This coverage ensures that you receive prompt help to get your vehicle back on the road and minimize any disruptions to your bussiness activities.

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Under What Situations/Incidences Can You Use Commercial Auto Insurance West Virginia?

Here are some common scenarios where commercial auto insurance coverage would apply in West Virginia:


Bodily Injuries

In case your driver and passengers in your vehicle sustain bodily injuries and require medical attention.


Medical Expenses

If you sustain injuries while driving your commercial vehicle and want your medical expenses to be catered for by your insurer.


Collision Damages

If your commercial vehicle gets damaged after colliding or being hit by another object, such as a fence.


Weather-Related Natural Calamities

In case your commercial vehicle gets damaged by fire, theft, vandalism, and some weather-related natural calamities.


An image of a woman standing in front of a truck


What Are the Requirements for Commercial Auto Insurance in West Virginia?

Below are the statutory requirements for WV commercial auto insurance:

  • You must have a minimum liability limit of 25/5025, which is $25,000 per person, $50,000 per accident for bodily injuries, and $25,000 per accident for property damage

  • You must purchase uninsured motorist insurance with a minimum coverage limit of $25,000 per person, $50,000 per accident for bodily liabilities, and $25,000 for property damages


Why Should You Purchase WV Commercial Auto Insurance?

There are several important reasons why purchasing commercial auto insurance in West Virginia is essential for your business. Here are the key points explained:


Liability Protection

Commercial auto insurance exempts you from third-party bodily injury and property damage liability. It safeguards your business by covering the costs associated with injuries or damages caused by your commercial vehicle to others, including medical expenses, legal fees, and property repairs.


Comprehensive Coverage

With commercial auto insurance, you receive financial assistance in case your commercial vehicle is destroyed by natural catastrophes or certain weather-related incidents. It helps cover the expenses of repairs or replacement, ensuring your business can recover from such substantial losses.


Theft and Vandalism Coverage

Commercial auto insurance provides coverage for theft or vandalism of your vehicles. It protects your business by covering the costs of repairs or replacement if your vehicle is stolen or deliberately damaged.


Medical Payments Coverage

By purchasing commercial auto insurance, you exempt yourself from incurring medical expenses for your driver and passengers in the event of an accident. It covers medical bills, lost wages, and funeral expenses, prioritizing the well-being of those involved.


Uninsured Motorist Coverage

Commercial auto insurance provides you with essential coverage in case of an accident with an uninsured motorist. It ensures that your damages and medical expenses are covered, even if the at-fault party lacks sufficient insurance.


Business Continuity

By investing in commercial auto insurance, you secure the continuity of your business operations after a covered risk occurs. It provides financial assistance for vehicle repairs, medical expenses, and legal fees, enabling your business to overcome potential disruptions and continue running smoothly.

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Costs for West Virginia Commercial Auto Insurance

Commercial auto insurance in West Virginia is $49 per month or $588 per year for a $1 million auto liability coverage. Here's a table showing the average rates of the best companies for a $1 million auto liability coverage in West Virginia. 



Cost per Month Cost per Year Best for
NEXT $12.50 $150 Best overall; Fastest commercial auto insurance
The Hartford $19 $228 Established business owners that need comprehensive and extensive commercial auto insurance coverage
CoverWallet $29 $348 Comparing commercial auto insurance quotes online
Tivly $30 $360 Comparing commercial auto insurance quotes over the phone
Hiscox $42 $504 Business owners who operate in high-risk areas
Thimble $45 $540 Best for business owners who are looking for temporary or event-based coverage

Compare Cheap Commercial Auto Insurance Quotes Online

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Best West Virginia Commercial Auto Insurance Company

Here are options for the best WV commercial auto insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million auto liability coverage. 


NEXT

Pros

  • Live chat support is available

  •  Monthly premium billing options are available

  • Its policies are customizable

  • 5% discount on bundled policies

Cons

  • Its professional liability coverage is claims-made

NEXT is a privately owned company that sells specific and bundled insurance policies to small-scale business owners. Apart from underwriting its commercial auto insurance, NEXT also supports general liability insurance, business owner's policy, commercial property insurance, and workers comp insurance. Markel Corporation, American Express Ventures, Geoff Donaker, TLV Partners, Zeev Ventures, and Nationwide Ventures are some investors that back this specialist insurer. This A- AM Best-rated insurer has its headquarters in Palto Alto, California.

Best for: Best overall; Fastest commercial auto insurance

Average cost: $12.50 per month

Our rating: 10/10


CoverWallet

Pros

  • Partnered with long-standing insurance carriers

  • Deals with over 30 types of insurance policies

  • All its policies are organized in one location

  • Provides free quotes to its clientele

Cons

  • Quotes may take a day or two to generate.

CoverWallet is an online insurance company that uses analytics and technology to provide coverage to small business owners at a fast and inexpensive rate. Through its easy-to-use and accessible website, CoverWallet provides its customers with automatic risk analysis, document management, coverage options recommendations, and peer risk comparisons. Some insurance carriers partnered with this New York-based insurer include AmTrust, Atlas, Blackboard, Berkshire Hathaway Guard Insurance Company, Chubb, CNA, Hiscox, Liberty Mutual, and Progressive.

Best for: Comparing commercial auto insurance quotes online

Average cost: $29 per month

Our rating: 10/10


The Hartford

Pros

  • Provides coverage add-ons

  • Unmatchable customer service

  •  Offers monthly premium rates

Cons

  •  You must be an AARP member to qualify for its commercial auto insurance coverage.

The Hartford is not only an insurance company but also a financial institution. The AM Best and the BBB rate this publicly traded insurer as an A+ insurance carrier. This 200-year-old insurer provides its coverage to all 50 states. Its policyholders can report homeowners, auto insurance, and property insurance claims any time of the week by phone or through its official mobile app.

Best for: Established business owners that need comprehensive and extensive commercial auto insurance coverage.

Average cost: $19 per month

Our rating: 10/10


Tivly

Pros

  • Monthly premium rates are available

  • Provision of fast and free quotes

  •  Conveniently matches you with coverage(s) that fit your needs

Cons

  • Lacks tools for managing multiple coverages from different insurers

Tivly is a USA-based insurance agency that specializes in matching small business owners with coverage options that best fit their needs. Through its website, policyholders can compare deductibles, exclusions, policy coverage limits, and coverage options as provided by its 200 partnered insurance companies. Call now to compare quotes over the phone. 

Best for: Comparing commercial auto insurance quotes over the phone

Average cost: $30 per month

Our rating: 9/10


Hiscox

Pros

  • Snail mail claims reporting services are available

  • You can manage your account online

  • Offers a wide range of discounts

  • Provides global coverage

Cons

  • Its customer service department is available from Monday to Friday from 7 am-10 5pm.

Hiscox is a globally operated insurance company with an extensive insurance history and financial stability. This public insurer specializes in providing coverage to small business owners in the USA and across the globe. Besides selling commercial auto insurance, Hiscox also deals in general liability insurance, professional liability insurance, business owner's policy, cybersecurity insurance, and workers comp insurance. This A+ AM Best-rated insurer provides its policyholders the following insurance discounts: 5-25% small business discount, up to 20% bundling discount, 15% new customer discount, and refer to a friend discount.

Best for: Business owners who operate in high-risk areas.

Average cost: $42 per month

Our rating: 9/10


Thimble

Pros

  • Provides almost instant quotes

  • Offers customized quotes for coverage

  •  Offers discounts on QuickBooks and Workiz

Cons

  • Tivly underwrites its commercial auto insurance.

Thimble is an online insurance company specializing in commercial insurance to small-scale business owners across the USA. This privately owned insurance company offers hourly, daily, and monthly coverage. It also provides event-based coverage to seasonal business owners, freelancers, and independent contractors. Customers can purchase and manage its adjustable, flexible, and inexpensive coverage through its mobile app, that's available for iOS and Android smartphones.

Best for: Best for business owners who are looking for temporary or event-based coverage

Average cost: $45 per month

Our rating: 9/10


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