Insurance for lawyers in Pennsylvania

Learn about business insurance requirements and the most common policies for lawyers in Pennsylvania.

Which insurance policies are required for lawyers in Pennsylvania?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in Pennsylvania, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in Pennsylvania requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries. Businesses that own a vehicle must purchase commercial auto insurance and meet state requirements for auto liability coverage.

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What are the most common policies for Pennsylvania lawyers?

Pennsylvania lawyers most often buy these insurance policies. You may need some or all of these policies depending on the specifics of your business, such as the number of employees and requirements outlined in contracts and leases.

Business owner's policy (BOP)

A small law firm might qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

Pennsylvania workers' compensation

If you own a law firm in Pennsylvania that has employees, you are required to carry workers’ compensation coverage. If you are a sole proprietor, the coverage is optional. However, if you slip and break an arm in your office, or develop carpal tunnel syndrome after years of working on a computer, you could turn to a workers’ comp policy to help pay your medical bills and lost wages.

Commercial auto insurance

Commercial auto insurance is required for business-owned vehicles, while hired and non-owned auto insurance (HNOA) covers vehicles that your business uses but does not own. This policy covers the cost of accidents involving a law firm's vehicle, including property damage and medical expenses.

Cyber liability insurance

Cyber liability insurance helps lawyers survive costly data breaches and cyberattacks. This policy can pay for client notification costs, credit monitoring services, and other related expenses.

How much does insurance cost for lawyers in Pennsylvania?

According to an analysis of Insureon data, the typical lawyer in Pennsylvania can expect to pay significantly less than the national median premium for workers' compensation insurance, but rates similar to the national median for other types of business insurance.

The median annual cost of workers’ compensation insurance for a lawyer in Pennsylvania is $585, far less than the national median of $1,054. The median annual premium for general liability insurance for Pennsylvania lawyers is $674, slightly higher than the national median premium.

Median insurance costs for Pennsylvania lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in Pennsylvania save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Pennsylvania and can answer your questions as you consider coverage.

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