Commercial Lines Insurance Carriers for Independent Agents in West Virginia

Alchemy Insurance Solutions offers a fifty-state program for builder's risk with rates engineered to beat the competition. Alchemy Insurance Solutions offers policies as both a single shot, and on a reporting form. Alchemy's flexible underwriting allows us to entertain risks up to and above $5m. In Florida & Texas Alchemy offers competitive rates with wind for CAT affected, and Coastal risks, as well as high value homes.

AmTrust is a leading writer of small commercial insurance covering over 500K small businesses and is the third largest writer of Workers Compensation in the U.S. Our extensive workers’ compensation appetite makes us an ideal fit for a vast number of small businesses. AmTrust also has extremely responsive underwriting. If a quote is not bind online eligible, we will routinely review and return an underwriting decision by the next business day.

Attune's sophisticated platform aggregates the necessary data from different sources, and then uses incredibly advanced analytics to create tailored products that can be delivered in mere minutes, not days or weeks!

biBerk is part of the Berkshire Hathaway Insurance Group with over 75 years of insurance experience. More than half a million business owners get their business insurance from biBerk nationwide. biBerk’s online quote process enables agents to submit a policy, get a quote and bind online in minutes saving you and your client valuable time. Coverage is affordable and tailored to meet the needs of your clients. biBerk writes 95% of all class codes for workers' comp and professional liability, handles all the service and billing, and renewals are automatic.

Blitz is a technology-driven insurance company revolutionizing the $100B E&S market with a fast, simple underwriting platform for small commercial property & casualty risks. Agents can quote in 5 minutes and bind in 10, with 80% of risks requiring no underwriter review. Covering industries like retail, contractors, and special events, Blitz offers a streamlined, no-accords process, dynamic applications, bundled products, and a centralized communications platform.

Chubb’s small commercial business insurance offering provides growing independent agents access to robust, scalable protection designed for businesses of all sizes — from startups to established community anchors. Chubb. Its suite includes foundational General Liability policies, workers-compensation, cyber liability and management/professional liability coverages, delivered with the premium service and global resources Chubb is known for. The program emphasizes simplicity and speed for smaller commercial accounts while offering tailored solutions that evolve as the business grows — making it a strategic choice for independent agents and their clients.

Colonial Surety Company, founded in 1930, is a leading provider of small commercial insurance solutions nationwide. Rated “A” (Excellent) by AM Best, Colonial is recognized for its financial strength, reliability, and commitment to integrity. The company partners with insurance agencies across the country to deliver tailored coverage for small businesses. Its comprehensive product suite includes General Liability, Professional Liability, Business Owner’s Policy (BOP), Cyber Liability, and Employment Practices Liability Insurance (EPLI).

Coterie Insurance is a tech-forward commercial insurer focused on making small-business insurance fast, simple, and transparent. It delivers instant, bindable quotes for policies like general liability, professional liability, cyber, and business owners’ coverage across all 50 states. Through its data-powered underwriting platform, Coterie enables agents, brokers, and business owners to skip the traditional delays and get protection when they need it most.

Cover Whale is an Insurtech company that is transforming the commercial truck insurance industry by bringing coverage options to owner/operators that were too difficult for conventional insurance companies to write. Cover Whale targets 1-25 power units at bind with a growth of 2 additional power units per quarter.

Cowbell Cyber is the leading provider of cyber insurance for small and medium-sized enterprises. Cowbell's easy-to-understand cyber insurance offerings innovate across all three insurance pillars: underwriting, distribution, and claims.

CrossCover is a Managing General Underwriter (MGU) specializing in commercial property insurance within the Excess & Surplus (E&S) market. They provide full‑limits E&S property coverage for middle‑market clients through a panel of highly rated “A” carriers, emphasizing underwriting expertise over distribution volume.

For over a century, we’ve been providing America’s small businesses with cost-effective workers’ compensation insurance. With our emphasis on financial stability and fast, efficient claims service, we now serve clients in 46 states and the District of Columbia. EMPLOYERS remains focused on keeping America’s Main Street businesses not only working, but working safely.

Revolutionizing Small Business Insurance: First Insurance & Risk Management isn't just an insurance provider we're your strategic partner in risk management. Say goodbye to the frustration of waiting for carriers to respond. With us, agents experience real-time empowerment – from quoting to issuing and servicing accounts. We seamlessly blend cutting-edge technology with personalized service, transforming insurance into a proactive risk management plan. Stay ahead in protecting what matters most, as we align with the dynamic pace of today's business landscape. Welcome to a new era of efficiency, responsiveness, and tailored protection with First Insurance & Risk Management

Forge is a small business auto insurance solution designed exclusively for independent agents. Specializing in 3–9 unit accounts and larger fleets, Forge offers competitive premiums for light and local operators across the Midwest and Mid-Atlantic. With in-house claims handling and expert underwriting, Forge delivers tailored coverage and exceptional service from quote to claim.

Foxquilt will help you sell small business, easier. Foxquilt was built specially for small business owners as there was a gap in the market around product and process availability. The founding thesis was that customers and agents need to have freedom of choice, transparency and decisive answers. For agents specifically, efficiency of scale comes into play. The ability to write the business you previously didn't have solutions for (product or process) means that you can grow the business and make your customers happy. Foxquilt offers commercial products through our agent platform, Foxden, with no underwriting holds, direct bill payment options and multi-iso rating.

For more than 150 years, our customers have trusted us to protect what matters most to them. We offer specialized coverage to meet your business’s unique needs—giving you the peace of mind you deserve.

Green Shield Risk Solutions is an MGA providing innovative high value homeowners insurance for wildfire-exposed regions, featuring Guardian Elite Home — a premium program for affluent clients with advanced wildfire analytics and comprehensive coverage.

Hiscox NOW provides same-day coverage for small businesses with up to $5MM IN ANNUAL REVENUE. We offer instant binding for GL, PL, BOP and Cyber Security coverage though a fast an easy, all-digital quote and bind experience. Policy docs are delivered immediately via email.

Insur-Fi is your Boutique Wholesale Broker offering markets for Habitational, Hotel, Motel, Restaurant, Bar, Tavern, Artisan Contractors, Lessor Risk, Real Estate GL, Distribution, Warehouse, Manufacturing, Large WC and so much more.

Integrated Specialty Coverages (ISC) is a tech-driven program administrator specializing in commercial insurance. Backed by private equity firm KKR, ISC partners exclusively with A-rated carriers and offers a proprietary platform for seamless quoting and binding. With a focus on high-quality service, competitive commissions, and innovative product delivery, ISC helps agencies expand their footprint in the commercial market.

LIO Insurance is a niche specialty carrier driven by a next generation digital ecosystem offering Community Association Insurance. Their motto is Insurance Made Simple. LIO operates without legacy burdens, enabling them to leverage cutting-edge technology that allows you to enter new business and get a quote in minutes

MGT is a tech-enabled risk solutions platform that improves commercial P&C insurance for both the broker and the policyholder. MGT is ushering in the next evolution of commercial insurance and working to move the industry forward through the use of modern technology, better processes, and a rock-star team.

Neptune Flood insurance delivers affordable coverage in an effortless, intuitive, and on-demand platform.

NEXT uses groundbreaking AI-based technology that allows agents to sell more commercial policies, faster. They offer instant quote and binds and immediate access to certificates of insurance.

Pathpoint is a digital Wholesaler that gives you access to AM Best A-rated E&S carriers such as Markel, Westchester, Nautilus, and Crum & Forster. Most popular classes include contractors, lessors risk, short term rentals, vacant land/buildings, restaurants/bars/taverns and more

Propeller is a digital MGA which completely automates the entire lifecycle of surety bonding. Propeller streamlines the billing with credit/debit card direct bill for customers which allows bond-heavy agencies to create massive efficiencies within their business, but also allows inexperienced bonding agencies the confidence to market bonds and use bonds as a lead generation tool. With Propeller, you get access to multiple surety markets (appetite aggregator), the best surety technology, and surety underwriters! With a name and email address, Propeller can send the agency an onboarding packet via DocuSign. Within 10 minutes the contract is completed, and we are creating your custom URL to put on your website, email signature, or social media. We will follow up to make sure all staff are familiarized and answer any questions.

RLI provides personal umbrella insurance with innovative approaches to underwriting and unsurpassed levels of client service.

RLI Contrac Pac provides admitted general liability, business personal property, and inland marine coverage for small to medium-sized artisans and general contractors specializing in residential and light commercial projects. We provide a streamlined quoting process with an intuitive agent portal and contractor-specific applications. Our online solutions make working with RLI easy so you can focus on quickly getting your customers the coverage they need. AM Best A+ Superior rating

As a First Connect member, you have direct access to write surety bonds through RLI. Simply use your First Connect account to access RLI Surety’s online system to write commercial bonds or apply for contract bonds electronically!

SES Risk Solutions is a leading, tech-enabled insurance provider for residential investment properties. Program Appetite: Residential long term rental properties only. Including SFR 1-4 single location and portfolio, MFR 5+ unit and Property Manager portfolios.

Simply Business is dedicated to making small business insurance simple and accessible. Our robust digital marketplace allows small business owners to find and buy the insurance they need online, matching them with coverage from multiple top insurers to offer choice, transparency, and value.

Skywatch.ai has developed an amazing broker web portal to give you real time, comprehensive quoting and binding for broad drone insurance coverage. Liability limits range from $500k to $5M!

Thimble is a first of its kind carrier that is offering short-term coverage that is completely unique. Workers can now get coverage for an hour, a day, a week, and all the way up to a year!

Tokio Marine HCC, rated A++ (XV) by A.M. Best, is a top specialty insurer known for strength and innovation. Its ArtisanEdge platform simplifies contractors insurance with fast, automated quoting, instant policy issuance, customizable coverage, and preferred rates for qualified risks. With admitted paper and one-click renewals, ArtisanEdge makes writing contractor policies easier than ever.

Vacant Express specializes in coverage for residential and commercial properties that are vacant, currently in renovation or new construction.