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Which policies are recommended for Pennsylvania businesses?
Small businesses in Pennsylvania most often buy these types of insurance.
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
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
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
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
Errors and omissions insurance
E&O, sometimes called professional liability insurance, is common with professional services in Pennsylvania. It can cover the cost of lawsuits related to your work performance.
BEST FOR
- Missed deadlines
- Accusations of negligence
- Errors and oversights
Cyber 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
Commercial umbrella insurance
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
BEST FOR
- Customer lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
Commercial property insurance
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
BEST FOR
- Fire
- Theft and vandalism
- Weather damage
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Which business insurance policies are required in Pennsylvania?
State laws affect which business insurance coverage you need. These policies are required everywhere in Pennsylvania, from Philadelphia to Pittsburgh.
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, such as a cleaning company employee becoming sick from cleaner fumes. It also 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.
How much does small business insurance cost in PA?
Commercial insurance can be affordable for small business owners. Average costs in Pennsylvania are:
General liability: $42 per month
Workers' comp: $58 per month
Professional liability/E&O: $65 per month
Factors that influence business insurance costs include:
- Your industry and risks
- Business operations
- Number of employees
- Policy limits and deductibles
How to get insurance for your Pennsylvania business
View video transcript.
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When you are ready to get insurance for your Pennsylvania business, you can complete Insureon's easy online application to get quotes from top-rated insurance companies.
FAQs about Pennsylvania business insurance
Review answers to frequently asked questions about Pennsylvania insurance.
How do I get a certificate of insurance for my business?
Insureon's licensed agents can help you find policies that fulfill Pennsylvania's requirements and match your business insurance needs. Once you've purchased a policy with us, you can download a certificate of insurance by logging into your account.
Can my company be held liable for a data security breach?
Yes – that's why cyber insurance is so crucial. Hackers are three times more likely to target small businesses, as they often have fewer resources to combat a threat.
Pennsylvania's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Does my industry affect state business insurance requirements?
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with state licensing requirements.
Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance to get licensed in their state.
State law requires that attorneys either carry malpractice liability insurance with policy limits of $100,000 per claim and $300,000 annual aggregate, or to notify clients in writing if they don’t have this coverage.
Pennsylvania also requires a minimum level of professional liability insurance coverage for physicians to participate in state programs that either limit the amount of damages available in a malpractice claim, or provides supplemental malpractice coverage to them.
Note that cities and counties may have their own laws, in addition to state laws.
How can I save money on Pennsylvania small business insurance?
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated insurance carriers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.