Contractors Insurance in Martinsburg, WV – Quad State Insurance
Protect Your Business with Contractors Insurance
From construction sites to home renovations, contractors face unique risks every day. At Quad State Insurance, we provide contractors insurance across West Virginia and surrounding states to protect your projects, your employees, and your financial future.
Our contractor insurance packages combine
general liability, property, commercial auto, bonds, and workers’ comp coverage — so you can focus on building while we protect your business.
Why Contractors Insurance Matters
Construction work comes with risks — from property damage to on-site accidents. Without the right protection, a single lawsuit or loss could put your business in jeopardy. With the right contractor insurance, you’re covered for:
- Lawsuits over jobsite injuries or property damage
- Theft or damage of tools, machinery, or materials
- Employee injuries and related medical expenses
- Delays or financial losses caused by accidents or claims
- Bonding requirements for projects and contracts
What Our Contractors Insurance Covers
General Liability Insurance
Covers claims of bodily injury or property damage caused by your work.
Property & Equipment Coverage
Protects valuable tools, machinery, and materials against theft, fire, or accidental damage.
Workers’ Compensation Insurance
Required in West Virginia for businesses with employees — covers workplace injuries, lost wages, and medical bills.
Commercial Auto Insurance
Covers trucks, vans, trailers, and other vehicles used for contracting work.
Contractor Bonds
Meet licensing requirements and reassure clients with surety and performance bonds.
Who Needs Contractors Insurance?
Contractors insurance is essential for:
- General contractors and home builders
- Electricians, plumbers, and HVAC specialists
- Roofers, landscapers, and painters
- Remodeling and renovation companies
- Independent contractors and subcontractors
No matter your trade, the right coverage protects your reputation and keeps you in compliance.
Local Risks to Consider:
- Jobsite accidents and injuries.
- Equipment and tool theft on construction sites.
- Liability claims for faulty work or project delays.
- Weather delays and storm damage during construction.
FAQs – Contractors Insurance
What’s the difference between contractor liability insurance and general liability?
General liability covers all businesses, while contractor liability insurance in WV is tailored specifically to construction and trade risks.
Do contractors need both bonds and insurance?
Yes. Many bids require proof of contractor insurance and bonding before you can qualify for work.
How much does contractors insurance cost in WV?
Rates depend on your trade, crew size, tools, and coverage limits. As an independent agency in Martinsburg, WV, we compare multiple carriers to get you the most competitive price.
Why Choose Quad State Insurance for Contractor Coverage
Local Expertise – We understand the construction risks and compliance requirements in West Virginia.
Independent Advantage – We shop multiple top-rated carriers for better options and pricing.
Small Business Focus – Affordable solutions for independent contractors, tradespeople, and small construction firms.
Trusted Choice® Member – Recognized for integrity and client-first service.
Contractors Insurance protection
Get the Right Contractors Insurance in WV Today
Protect your contracting business, your employees, and your reputation with
Quad State Insurance. We make it simple to compare
contractors insurance quotes in Martinsburg, Kingwood, Morgantown, and across West Virginia — so you can focus on building with confidence.
