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.
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.
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.
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.
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.
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.
State laws affect which business insurance coverage you need. These policies are required everywhere in Pennsylvania, from Philadelphia to Erie.
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.
Pennsylvania’s minimum requirements for auto liability insurance are:
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).
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.