The type of commercial insurance you need depends on your industry, location, and operations. Most small businesses in Pennsylvania start with a Business Owners Policy (BOP), which bundles property and general liability coverage. If you have employees, you’ll also need workers’ compensation insurance. We’ll help you determine the right mix to meet state requirements and give you peace of mind.

Yes—if you interact with clients, handle equipment, or perform services, general liability insurance can still be essential, even if you work from home. It protects against claims like bodily injury or property damage caused by your business activities. We’ll make sure your policy fits your work-from-home setup without paying for coverage you don’t need.

Definitely. Commercial auto insurance covers business-related driving, like transporting tools, deliveries, or employees—things your personal policy won’t touch. If you use a vehicle for work, even occasionally, it’s important to get a policy that reflects those risks. We offer coverage for everything from individual work trucks to full fleet vehicle insurance.

Professional liability insurance—also called errors and omissions insurance—protects businesses that provide advice or services. If a client claims your work caused financial loss, this coverage helps with legal fees and settlements. It’s critical for contractors, consultants, and service providers who want to stay protected from potential lawsuits.

The cost of commercial insurance in Pennsylvania depends on your industry, business size, claims history, and the type of coverage you need. For example, a solo consultant will pay less than a contractor with multiple employees and vehicles. We’ll shop top carriers to get you the right coverage at the right price—without overpaying for extras you don’t need.