No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks and we’ll put together an insurance package that makes sense for your business. In addition to general liability protection, you may also want to consider…
Damage to your property – General liability only covers third-party property damage. Liquor liability if you do not sell, serve, furnish, manufacture or distribute, alcoholic beverages , your general liability insurance policy will cover you if are held liable for a liquor-related incident. For example, if a customer slips and falls on your premises and requires medical treatment, your policy would cover the costs. At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. Click here insurance-pennsylvania.com
When serious situations arise, business umbrella insurance will help ensure that your business is protected. Cyber Liability is an innovative insurance product uniquely suited for the digital era we live in. For over 60 years, Gallen Insurance has helped residents of Pennsylvania with a variety of commercial business insurance policies and coverages for all types of businesses and industries.
There are several factors that will mandate Workers Compensation Insurance in Pennsylvania. A licensed insurance advisor will be able to determine if your business falls within any of these requirements and if any exemptions are applicable. Protects you against third-party claims of bodily injury or property damage while your client is visiting. When you need to protect your business with general liability insurance in PA, Risk Averse Insurance can help. Accidents happen, and the cost of legal representation and loss settlements can cause a small business to close its doors. This agency is responsible for regulating all insurance policies sold in the state, including commercial liability coverage.
You get fast, accurate, and actionable quotes based on your specific needs with competitive rates and coverages. Commercial Liability Insurance is not mandatory for businesses operating in Pennsylvania. However, it is important to note that Pennsylvania is consistently identified as one of the worst legal climates in the U.S., and is ranked 46th by the Pacific Research Institute. It is one of only 5 states with a constitutional ban on the legislature to limit non-economic damages in liability suits.
Professional Liability Insurance (Errors & Omissions)Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Advanced Insurance Solutions recommends that all professional and technology companies have E&O coverage. Home Based Business – Your homeowners insurance alone may not provide enough coverage for your business.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). Instead, go for the company that offers you the best value at the most affordable price. Some insurers offer tailored packages that help you handle specific risks that are unique to your business type. Huckleberry is one of the newest companies that provide quality general liability insurance in Pennsylvania. As you will see on their website, the company aims to create quality insurance by doing away with all forms of paperwork.
The insurance products on (the “”Site””) are underwritten by different carriers dependent on the relevant line of business – see huckleberry.com/carriers. Decision should be analyzed for what it is—a run-of-the-mill faulty workmanship case where the insured sought coverage to repair the defective work itself. Decision that the homeowners alleged damage to other property resulting from the faulty work.
Using Your Personal Automobile for Business – Your personal auto policy may NOT cover you if you are in an accident while using your personal car for business purposes. It’s also important to note that customers can file claims against your business even if you did nothing wrong. Customer gets injured while dining at your restaurant and needs medical treatment.