Contractor Insurance in West Virginia & Ohio
Your work has real risks. Your insurance should have real coverage.
Whether you're a general contractor managing large projects or a one-person trade operation, the right insurance protects your business, your tools, and your livelihood. Many contractors can get instant quotes and purchase coverage online—see if you qualify below.
Get an Instant Contractor Insurance Quote
Many contractors can get quoted and covered in minutes
Before You Get a Quote
By using this business insurance quoting tool, you understand and agree that:
- Business Information: You will be providing information about your business including your business name, type of work, number of employees, annual revenue, and contact information. If you proceed with a policy purchase, you may be asked to provide additional details such as your EIN, payroll information, and other business data.
- Quote Provider: This instant quote tool is powered by one of our partner insurance carriers. Your quote and any resulting policy will be directly with that carrier.
- Information Sharing: The information you provide will be shared with our partner carrier and Parrack Insurance Agency for the purpose of providing you with accurate business insurance quotes.
- Contact: After completing your quote, you may be contacted regarding your quote results and coverage options. Parrack Insurance Agency may also follow up to ensure you found the coverage you need.
- Not All Businesses Qualify: Our partner carrier has specific eligibility requirements. Some business types, high-risk operations, or businesses outside their appetite may not qualify for instant coverage.
Your information is used solely for insurance quoting purposes and is handled in accordance with our partner's and our privacy policies.
Contractors We Cover
Our instant quote tool works for most contractor types. Here are some of the trades that typically qualify for quick online coverage:
General Contractors
New construction, remodeling, and renovation projects
Electricians
Residential and commercial electrical work
Plumbers
Plumbing installation, repair, and maintenance
HVAC Contractors
Heating, cooling, and ventilation systems
Roofers
Roof installation, repair, and replacement
Carpenters
Framing, finish work, and custom builds
Painters
Interior and exterior painting services
Flooring Contractors
Hardwood, tile, carpet, and vinyl installation
Drywall Contractors
Drywall installation, taping, and finishing
Concrete & Masonry
Foundations, driveways, and masonry work
Landscapers
Lawn care, hardscaping, and irrigation
Handyman Services
General repairs and small projects
Don't see your trade listed? The quote tool covers many additional contractor types. Give it a try, or call us if you have questions about your specific trade.
Coverage Options for Contractors
Contractor insurance isn't one-size-fits-all. Your coverage needs depend on your trade, project types, whether you have employees, and your specific risk exposures. Here's what most contractors should consider:
General Liability
EssentialProtects against third-party bodily injury and property damage claims. If a client trips over your tools or you accidentally damage their property, this coverage responds.
Learn more about general liabilityTools & Equipment
EssentialCovers your tools, equipment, and materials whether they're on the job site, in your truck, or in storage. Replacement cost coverage means you get new tools, not depreciated value.
Learn more about tools & equipmentCommercial Auto
EssentialCovers your work vehicles including vans, trucks, and trailers. Includes liability and physical damage coverage for vehicles used in your business.
Learn more about commercial autoWorkers Compensation
EssentialRequired if you have employees in West Virginia or Ohio. Covers medical expenses and lost wages when employees are injured on the job.
Learn more about workers compensationProfessional Liability
Also called Errors & Omissions. Protects against claims that your work was defective or didn't meet professional standards.
Learn more about professional liabilityBuilders Risk
Covers buildings under construction against fire, theft, vandalism, and weather damage. Essential for new construction projects.
Learn more about builders riskWhy Use Our Instant Quote Tool?
Fast & Simple
Answer a few questions about your business and get a quote in minutes—not days. No waiting for callbacks or paperwork.
Competitive Rates
Our partner carrier specializes in contractor coverage and offers rates that are often lower than traditional carriers.
Certificate on Demand
Need a certificate of insurance for a job? Generate and send certificates instantly through your online account.
Local Support
You still have us as your local contact. If you have questions or need help, we're here in Point Pleasant to assist.
Not Every Contractor Qualifies for Instant Coverage
The instant quote tool works great for many contractors, but some situations require traditional underwriting:
- High-risk trades (demolition, asbestos, structural work)
- Large operations with many employees
- Businesses with prior claims or coverage gaps
- Complex coverage needs (large projects, bonding requirements)
If you don't qualify for instant coverage, don't worry. We work with dozens of carriers and can find coverage for virtually any contractor. Just give us a call.
Ready to Protect Your Contracting Business?
Try the instant quote tool above for fast coverage, or call us to discuss your specific situation. We're here to help you find the right protection at the right price.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV