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What are the requirements for small business insurance in Pennsylvania?
State laws can affect which insurance policies you need for your small business. These policies are required for Pennsylvania businesses.
Workers' compensation insurance
Pennsylvania 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. This policy covers medical bills for work injuries and illnesses.
Commercial auto insurance
All business-owned vehicles in Pennsylvania must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Pennsylvania’s commercial auto insurance requirements are:
- Bodily injury liability: $15,000 per person / $30,000 per accident
- Property damage liability: $5,000 per accident
- Medical benefits: $5,000
Recommended insurance policies for small businesses in Pennsylvania
General liability insurance
This policy is important for all Pennsylvania businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
Professional liability insurance
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy helps Pennsylvania businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Pennsylvania business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
Workers’ compensation insurance is required for Pennsylvania businesses that have employees. It can cover medical costs for work injuries and illnesses.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over 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 business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Find policies for your profession
Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following Pennsylvania professions and more:
Don't see your profession listed? Find more professions.
How much does small business insurance cost?
Commercial insurance can be affordable for a small Pennsylvania business. Factors that influence the cost include:
- Your industry and risk
- Coverage limits
- Location
- Number of employees
Insureon specializes in Pennsylvania business insurance
In Pennsylvania, insurance agents, agencies, 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 into the “Search by License Number” field on the Pennsylvania Department of Insurance’s Licensee Search page.
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