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Small Business Insurance in Pennsylvania

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Recommended insurance policies for small businesses in Pennsylvania

General liability insurance

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General liability covers common risks for small businesses in Pennsylvania, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

Professional liability insurance icon

This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

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This policy protects Pennsylvania small businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

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This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Pennsylvania small business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

Workers’ compensation insurance icon

Pennsylvania requires small businesses that have at least one employee to purchase workers’ compensation. This policy covers medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

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This policy is required for vehicles owned by Pennsylvania small businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Pennsylvania?

State laws can affect which policies you need for your small business. These policies are required for Pennsylvania businesses.
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Workers' compensation insurance

Pennsylvania state law requires businesses that have one or more employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses in Pennsylvania must be covered by commercial auto insurance. Pennsylvania requires:

  • Bodily injury liability: $15,000 per person / $30,000 per accident
  • Property damage liability: $5,000 per accident
  • Medical benefits: $5,000

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Pennsylvania company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Pennsylvania technology professionals

Our agents are experts in insurance for Pennsylvania technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Pennsylvania Department of Insurance as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 576387). To verify our licensure in Pennsylvania, enter our license number into the “Search by License Number” field on the Pennsylvania Department of Insurance’s Licensee Search page.