westfield signature series®
Westfield Commercial Insurance
No matter what size business you own, you need the right protection to meet your specific needs. At Westfield, we understand the challenges of running a business and the coverages required to safeguard your operations, employees, and investments. We take pride in our extensive selection of insurance products, risk services, and knowledgeable agents who are specially trained to help determine the proper protection for you.
Regardless of the industry, your business has its own unique insurance needs. In addition to standard coverages like business auto, general liability, property, umbrella, and workers’ compensation; Westfield offers special protection for your business through our Westfield Signature Series®—optional bundled coverages designed to safeguard parts of your organization that isn’t typically protected by traditional policies.
Let one of our independent agents help you decide what types of industry-specific coverages your business requires, including:
- Contractors: Small (artisan) and large contractors have different insurance needs. That’s why we have different limits and specialty coverages based on the size of your business, such as property in transit, theft damage to unowned buildings, and property in your care. Why pay for insurance you don’t need!
- Distributors: We have insurance to meet your varied needs, including coverage for building material dealers, food and beverage distributors, damage to your computers, property belonging to others, and property in transit.
- Health Care: To keep pace in the fast-changing health care industry, you need an insurance partner who understands the potential risks that medical businesses like yours face each and every day. Westfield offers customized coverages for:
- Medical Offices: Different medical offices have different insurance needs. Westfield offers options for a full range of medical businesses.
- Medical Diagnostic Laboratories: Medical diagnostic labs face unique risks. Westfield provides specialized coverages, including cleanup of hazardous medical or radioactive waste; and loss of R&D business income or documentation.
- Outpatient Care Centers: As more patients bypass hospitals to walk through the doors of your outpatient care center, you need an insurance partner who understands the associated risks.
- Hospitality: We know the types of coverages needed for hospitality facilities.
- Golf Courses: Our enhanced insurance includes coverage for damage to your customers’ cars; damage to putting greens, fairways, and tee boxes; and injuries caused by errant golf balls.
- Hotels: We provide customized coverages to ensure that your business, employees, and guests are protected from loss.
- Restaurant: Our exclusive underwriting process packages restaurant insurance that’s intuitively designed to meet the challenges and potential hazards you face.
- Manufacturing: Insurance specifically designed to protect manufacturers of food and beverages, wood, plastic, concrete, metal goods, and machine shops. In addition, we cover property in your care; damage to patterns, molds, and dyes; and employee theft.
- Real Estate: A combination of coverages developed for businesses, including condos and offices, that focus on leasing commercial properties to others. Coverage includes costs incurred to regain customers after a loss, displaced business income from contractual penalties, and emergency vacating expenses. Real Estate also includes condominium associations and commercial condominium unit owners.
Getting Started
We think the best experience comes from working with a real, live person. Our trained, knowledgeable agents are ready to connect with you. Make a call or send an e-mail to start your customized quote.
Main Number: 304-338-2902
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Recreation Vehicle (RV) insurance*
One of the great joys of living in America is the abundance of rugged outdoor beauty to enjoy. Whether you’re hitting the open road or exploring the terrain around your home, an RV can make these adventures even more exciting.
You want coverage that treats your RV as importantly as if it were your home or auto, while also catering to your cost-consciousness as a consumer.
Westfield is committed to you. That’s why we offer RV insurance that is reliable, flexible, and right-sized to meet your needs.
Add Your RV to Your Auto Policy
For your convenience, Westfield will add your RV to your auto policy. You get all the coverage you need with one company, one policy, and one payment.
With an addition to your Westfield auto policy, you can protect your:
- Antique Auto
- RV
- Motor home
- Camper
- Snowmobile
An agent can explain how to add your RV to your auto policy and help get you rolling.
Main Number: 304-338-2902
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auto insurance
You’re a savvy consumer. You did the research and picked out just the right car, sport utility vehicle (SUV) or truck to suit your needs. Maybe it was about getting the best gas mileage or the best safety rating for your family. Or perhaps you were ready for that powerful, purring sports car you always dreamed of owning.
Now that you have the right automobile, you need the right auto insurance. We know you want more than just basic protection. You want an insurance company who understands what’s important in your life and offers the kind of personalized coverage and service that you deserve.
You want Westfield.
Types of Auto Insurance*
Of course, Westfield offers the kind of nuts-and-bolts auto insurance that everyone needs. But we also offer more. You can work with a Westfield agent to choose your coverage, starting with the basics, and then add the protections that are tailored just for you.
Start by choosing from these :
- Liability — Covers another person’s injuries or property damage, up to a certain dollar amount determined by your policy. It won’t pay for your injuries or property damage.
- Collision — Covers damage to your vehicle if you get into an accident with another car or if you hit an object like a light pole or guard rail.
- Comprehensive — Covers losses if your car is stolen or damaged by a fire, storm or natural disaster.
- Medical Payments — Covers medical bills if you or a passenger in your car is hurt in an accident.
- Personal Injury Protection — Covers accident-related injury expenses beyond just medical bills, like lost income.
An agent can help you determine the best combination of coverages and dollar amounts based on the requirements of the state where you live, whether you’re leasing or paying a loan on your car, or other factors.
Main Number: 304-338-2902
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condo insurance
When you researched homeownership, you discovered that a condo was the right option for you. You get the benefits of ownership with fewer maintenance obligations and lower costs.
Now you need a condo insurance policy that fits your lifestyle. It’s just the right size for you. No more and no less. Just like your condo.
Westfield offers insurance options that are flexible and suited to you. Our independent agents are here to help you get coverage that fits.
Why Get Condo Insurance?
You get the benefits of having a condo association that maintains landscaping and the building itself, but your condo’s interior and your belongings are yours to protect.
Westfield’s condo insurance gives you a financial cushion in case of:
- Fire
- Theft
- Disaster
- Accidental injury to a visitor inside your condo
You might also have some individual responsibility for common areas shared by all condo owners in your building or complex, like a swimming pool or clubhouse.
After you’ve connected with your condo association to find out exactly what they insure, our agents are here to make sure you’re covered for the rest with a Westfield condo insurance policy.
Cover Your Condo and Auto with Wespak®
If you want to simplify your life, Westfield offers the option to combine your condo and auto insurance into one policy – and one bill. If you love efficiency, Wespak is for you.
Discover More Coverage Options
Once you’ve nailed down the basics with your condo insurance plan, you might want to consider some extras, just in case. Our independent agents are here to help you with one or more of these:
- Flood Insurance
- Replacement Cost Coverage
- Equipment Breakdown Coverage
- Identity Theft Coverage
Connect with a Westfield Agent
The advantage of partnering with Westfield is that you’ll always have a human being to talk to. Our independent agents are committed to providing the help and answers you need, when you need them.
Main Number: 304-338-2902
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From Farm to Fork.
And all in between. We’ve got you covered.
Complete Suite of Coverages
We’ve created a complete suite of farm- and business-specific coverages to protect you now and well into the future.
Farming
covering over 45 types of farms from apple to cotton, beef to pork and many more; we know farming.
Wholesalers
all types of businesses including animal and crop merchants, bean and grain wholesalers.
Processors / Manufacturing
from cheese to nuts, milk to seafood, we have coverage options that match your needs.
Main Number: 304-338-2902
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Workers’ Compensation
One of the great things about being a business owner is that you get to provide jobs for other people. You’re a driver of the economy — part of the backbone of America.
But being an employer is also a heavy responsibility. It isn’t just your workers’ livelihoods in your hands. It’s their health and safety while they’re working for you.
That’s why it’s critical to have workers’ compensation coverage backed by a company that understands the risks you face every day. Westfield’s Workers’ Comp policy offers a comprehensive suite, with top-of-the-line programs that get injured workers back to work fast – and we help you navigate the process every step of the way.
Here are Westfield’s key differentiators:
- WesCare® 24/7 Nurse Triage Program: Our top-rated program!
- WesWorks® Return to Work Program: getting employees back to work – fast
- Physician Services Program: review by a panel of top-rated specialists for complex and long-term needs
- Medical Bill Review: exceeding minimum standards and saving customers on average of 64% of billed charges
- Nurse Case Management: providing injured workers with nurse advocates
Talk with your independent Westfield agent to help you understand your risks and find the coverage you need. Don’t have an agent yet?
Main Number: 304-338-2902
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