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
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.
Learn more about the factors that influence business insurance rates. You can also get a quote online to find out what you’ll pay.
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, a 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:
Pennsylvania professions we insure
We help small business owners from a wide variety of industries, including these common professions:
Browse more examples of professions we insure.
Business insurance for all Pennsylvania cities
We can customize business insurance in all Pennsylvania cities, including, but not limited to: