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Web developersCompare Pennsylvania business insurance quotes
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Business Insurance in Pennsylvania
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Recommended insurance policies for small businesses in Pennsylvania
General liability insurance
A general liability policy is important for all Pennsylvania businesses for its protection against common third-party risks. Most commercial leases require this type of business liability insurance.
BEST FOR
- Third-party bodily injuries
- Personal injuries
- Advertising injuries
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects Pennsylvania businesses that provide professional services or advice. It covers lawsuits related to work performance.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Pennsylvania businesses that handle credit card numbers and other sensitive data.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Pennsylvania business.
BEST FOR
- Slip-and-fall injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ compensation insurance is required for PA businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
This policy is required for business-owned vehicles in Pennsylvania. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
BEST FOR
- Accidents involving commercial vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Pennsylvania business insurance requirements
State laws affect which business insurance coverage you need. These policies are required everywhere in Pennsylvania, from Philadelphia to Erie.
Workers' compensation insurance
Pennsylvania state law requires that all employees are covered by workers’ compensation insurance, regardless of whether that person is performing full-time, part-time, or seasonal work.
Workers' comp covers medical bills for work-related injuries and illnesses, and provides disability benefits for injured Pennsylvania workers. Most policies include employer's liability insurance, which covers legal costs if an employee blames their employer for an injury.
Commercial auto insurance
All business-owned vehicles in Pennsylvania must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Pennsylvania’s minimum requirements for auto liability insurance are:
- Bodily injury liability: $15,000 per person / $30,000 per accident
- Property damage liability: $5,000 per accident
- Medical benefits: $5,000
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost?
Commercial insurance can be affordable for Pennsylvania small business owners. Factors that influence the cost include:
- Type of business and its risks
- Business operations and location
- Number of employees
- Types of insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find policies that fulfill Pennsylvania's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Pennsylvania, insurance agencies, agents, and brokers are licensed by the Pennsylvania Department of Insurance. Insureon is licensed in Pennsylvania as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 576387). To verify our licensure in Pennsylvania, enter our license number on the Pennsylvania Department of Insurance’s Licensee Search page.