Pennsylvania Business Insurance
Customized protection for your Pennsylvania business
Pennsylvania business owners should consider business insurance for financial and legal reasons. Customer injury, natural disasters and professional negligence are a few of the many incidents that can lead to lawsuits and expensive recovery costs that are often difficult to handle without insurance.
Pennsylvania reported 156,500 non-fatal workplace injuries in 2018, with nearly 87% of them from private sector businesses, according to the Bureau of Labor Statistics. An employee missing work, even for a short amount of time, can disrupt a business’s operations and affect their bottom line.
Shop for business insurance through the Progressive Advantage® Business Program. Choose from a variety of commercial insurance options including general liability, workers’ comp, professional liability and more.
Types of PA business insurance
This is the most common business insurance coverage and nearly all businesses in Pennsylvania should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.
Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don’t cover vehicles used for business, which includes transporting supplies or traveling between job sites.
Businesses in Pennsylvania are required to have workers' comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.
Business Owners Policy (BOP)
A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property such as a storefront, warehouse or office building.
Pennsylvania businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).
This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.
How much does business insurance cost in Pennsylvania?
The cost of a Pennsylvania business insurance policy depends on several rating factors including a business’s industry, coverage needs, size and location. For example, a business in a highly populated area like Philadelphia can expect a different rate than a business in a less populated city like Erie.
The most influential cost factor is a business’s profession. Tree trimmers usually work with heavy equipment high off the ground. Alternatively, lawn care specialists typically work with lighter landscaping tools at ground level. In this scenario, the tree trimmer is exposed to more risk and will pay more for coverage.
Pennsylvania business insurance requirements
Workers’ compensation is required by Pennsylvania state law for businesses with one or more full or part-time employees. Executive officers and domestic workers are usually exempt, however, it’s best to check with the state on the legal requirements for your unique situation.
Coverage can be purchased through a private insurance carrier, an agent or broker, or the state insurance fund. You can also choose to apply for self-insurance.
While other coverages like general liability and a BOP aren’t legally required in Pennsylvania, you’ll likely need them before entering a contract with a landlord or prospective client.
Resources for Pennsylvania small business owners:
- Business Insurance Resources (Pennsylvania Insurance Department)
- Workers’ Compensation in Pennsylvania (PA Department of Labor & Industry)
- Workers’ Comp Guide (Pennsylvania Insurance Department)
- 2019 Pennsylvania Small Business Profile (US Small Business Administration)
- 2018 Pennsylvania Workplace Injury Data (US Bureau of Labor Statistics)
Pennsylvania professions we insure
We help small business owners from a wide variety of industries, including these common professions:
- Cleaning services
- Hair salons
Browse more examples of professions we insure.
Why choose Progressive?
Options – We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts – As the #1 Commercial Auto Insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience – There are several ways to get a quote whether you need a single Pennsylvania policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.
Business insurance for all Pennsylvania cities
We can customize business insurance in all Pennsylvania cities, including, but not limited to:
*No. 1 commercial auto insurer from SNL Financial’s 2019 national written premium data.