Small Business Insurance in Pennsylvania
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Coverage Plans for All Your Needs
Starting a business in Pennsylvania opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Pennsylvania business
General LiabilityInstant quote »
- Bodily Injury
- Damage to third party property
- Personal Injury
When you also have at least one employee
General Liability + Property and Workers Compensation (WC)
* Plus Workers Compensation
All standard plan benefits and:
Coverage for work-related accidents and diseases and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Legal fees
We've Got You Covered with Coverage You Need
Whether you’re looking to satisfy Pennsylvania requirements with Workers Comp and Disability Insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Business Owners Policy
A popular choice for small businesses, business owners policies combine two vital policies into one, general liability and commercial property, to protect you from your biggest risks.
An important policy for any business that stores s client information including payment data, contact details, and sensitive health info.
Required for PA businesses with at least 1 employee, Workers Comp pays costs that arise from employee injury on the job including medical expenses and lost wages.
Business Auto protects you when your business is held liable for an auto accident by paying property damage, medical expenses, and physical damage to company vehicles.
Employment Practices Liability
Businesses with employees risk lawsuits alleging sexual harassment, discrimination, and hostile work environments from unhappy employees. EPLI pays the costs to defend and settle these lawsuits.
Frequently Asked Questions
What insurance do I need to carry as a PA small business?
Businesses in the Keystone state aren’t required to carry business insurance unless you have employees. However, every business should consider General Liability and Commercial Property Insurance.
How much will my business insurance cost per month?
Every insurance company calculates premiums differently. Some offer monthly installment plans and others require payment in full. Ask insurance companies while you are shopping for their requirements.
My employees use their cars for business, what do I need to require?
Every employee needs to abide by state minimum Auto Insurance requirements and should be able to show proof of coverage. You should also buy Hired & Non-Owned Auto to protect your business.
What happens if I don’t buy insurance?
Not buying insurance to protect your business puts you at risk of large payouts if a claim or lawsuit occurs. Most businesses choose to avoid financial hardship by investing in a comprehensive insurance plan.
What is the difference between General Liability and a Business Owner's Policy (BOP)?
General Liability only includes coverage for third-party claims alleging injury or property damage. A BOP combines General Liability with Commercial Property coverage on one policy to fully protect small businesses.
Peace of Mind, At Your Fingertips
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
References for Small Businesses in Pennsylvania
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: