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Business Insurance

Smallwood and Small’s professional insurance trainers add muscle to your small business. Our commercial business packages and employee benefit programs ensure that your company—and your team—are safe, supported and in tip-top shape. Learn more about business insurance in the Eastern Panhandle and contact us today.

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Shape up your business insurance.

Whether you’re an aspiring start-up or a corporate superpower, Smallwood and Small has your business interests at heart. Our commercial solutions give you a competitive edge by securing your capital and reducing risks in the workplace.


General Business Liability Insurance

As an entrepreneur, you’ve swum against the current, taken risks and now you’re surfing a wave of success. General business liability insurance keeps your business afloat if bodily injury, personal injury or property damage claims arise from your business operations. A life raft for your company’s livelihood, this coverage:

  • Protects company assets in the event of a lawsuit. It pays for legal defense and damages incurred if someone is injured on your property – physically, financially or psychologically.
  • Secures your assets if you or your employees cause property damage. It also protects you against legal damages resulting from employee negligence.
  • Preserves your company’s reputation against libel, slander, copyright infringement and false advertising claims.

Don’t be caught dead in the water—contact Smallwood and Small today.


Commercial Package Policy

This bundled offering is appropriate for many small to medium sized businesses. Businesses specializing in food service, retail, light manufacturing, habitational, office, storage, processing or service are often eligible for coverage. This policy allows business owners the flexibility of choosing two or more insurance coverages customized to their needs. Most policies consist of two or more of the following coverages:

  • Commercial property insurance
  • Business income insurance
  • Commercial general liability
  • Business automobile
  • Business crime insurance
  • Equipment breakdown and/or boiler and machinery
  • Inland marine

Business Owner’s Policy

The total package for businesses carrying less risk, a business owner’s policy (BOP) is tailored and customized to your specific business needs. Packaged exclusively for mainstream, low risk businesses, this policy combines general liability and property insurance into one affordable policy.  By offering both types of coverage in one, BOP features lower premiums and increased peace of mind. Packaged policies can save you a bundle—contact Smallwood and Small for a quote today. We craft your policy to your industry and small business needs, but typical coverages include:

  • Property insurance
  • Business interruption insurance
  • Crime insurance
  • Liability insurance

Improve your coverage while saving your business a bundle—contact us today.


Commercial Auto Coverage

Covering Your Fleet

The reality is, personal auto policies can’t adequately cover your professional fleet. Whether you’re team is making sales calls from their personal vehicles or ferrying freight in company trucks, commercial auto coverage protects all vehicles used to conduct business. Our powertrain policies include:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Medical payments incurred in an accident (regardless of fault)
  • Uninsured and underinsured motorist coverage
  • Comprehensive physical damage coverage
  • Collision coverage

Our policies fuel safety and savings. Contact us today.


Workers’ Compensation Insurance

Accidents happen to good employees—and to great companies. In certain circumstances in West Virginia, employees injured on the job may legally collect workers’ compensation and sue their employers for damages. Smallwood and Small’s workers’ compensation coverages minimize your risk and maximize your protection in the event that someone is injured on the job. Common coverages include:

  • Medical expenses
  • Lost wages
  • Permanent/temporary disability
  • Death benefits
  • Employers’ liability coverage (if your company is found liable in civil court)

Proactive business products like ErieComp™ Insurance help you put a workplace injury management program in place and control workers’ compensation costs before they happen. Secure your team and the future of your small business—contact us today.


Professional Liability/Errors and Omissions Insurance

If you provide professional services or advice for a living, this coverage protects you if you’re negligent or make an error while conducting business. Designed for brokers, consultants, lawyers or experts who advise for a living, this coverage will provide for all defense costs and damages arising from negligence claims in civil court.

Suited for small business for over 30 years and counting, our agents customize solutions to every specialty and budget. Get a quote and get covered.


Employers’ Practice Liability/Intentional Employers’ Liability

As a business owner, you’re the captain of your ship, but sometimes the workplace waters get particularly choppy. If your company is sued for harassment, retaliation, discrimination or liability arising from hiring and firing practices, this third party coverage will protect you and handle defense costs and damages related to this litigation.

Our agents help you understand federal, state and local employment laws and lower your level of risk. Contact us today.


Surety Bonds

Surety bonds guarantee that the terms of a professional contract or agreement are fulfilled. If you’re a contractor who cannot complete the terms of a contract, a surety bond provides for a replacement contractor or client compensation in the event of a default.

A federal requirement for contracts of $150,000 or more, surety bonds are increasingly required by states and municipalities as well. Protect you, your client and your reputation against the unexpected— explore your options today.


Specialty Business Coverages

True to our setting, West Virginia’s business landscape is wildly diverse and wonderful. Whether you’re setting up a shingle on Main Street or harvesting your heritage on the family farm, we help you protect and savor the fruits of your labor. Our specialty coverages include:

  • Artisans/Contractors
  • Manufacturing/Industrial
  • Agriculture (Farm Owners’ Packages)
  • Church Insurance
  • Retail
  • Sports Camps and Special Events

Shop Smallwood and Small for appropriate coverage at an affordable cost.


Employee Group Benefits

Small business owners make hugely difficult decisions every day, but creating an employee benefits program shouldn’t be one of them. Whether you have five employees or 25, employer-sponsored health, dental, 401(k), group disability and life insurance programs protect the health of your team and your future as a small business.

Investing in your team’s health and long-term security is one of the most powerful gestures you can make as an employer. Our benefits experts will shop the marketplace for coverage at a competitive rate that nets you savings and a happy, healthy team. Your employees are your most valuable assets; contact us to cover them today.

affordable

We’re Networked for Net Savings

Our neighborhood agency is nationally networked for your safety, stability and savings. Our strategic partnership with the Mountain State Agency Alliance yields customers unparalleled access to top-rated carriers, including:

AAA
Allstate
Allied
Celina
Encompass
Erie Insurance
FirstComp
Foremost
Grange
Guard
Hagerty
Harleysville
The Hartford
Liberty Mutual
MetLife
National General
Safeco
State Auto
Travelers

We’re Solution Savvy.

proactive

Proactive

We’re proactive before problems start. Our agents maximize your knowledge and minimize your risks.

passionate

Passionate

As a community business, we champion your success every step of the way.

percise

Precise

From your company’s size to its level of risk, we deliver precise coverage at the perfect price.

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