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Recommended insurance policies for small businesses in Pennsylvania
These insurance policies defend Pennsylvania small business owners against common lawsuits and other top risks.
General liability insurance
A general liability policy covers third-party risks for small businesses in Pennsylvania, including customer property damage and injuries. Commercial leases often require this coverage.
- Customer injuries at your company
- Damaged customer property
- Libel and other advertising injuries
Errors and omissions insurance
This policy protects professionals against legal fees from mistakes, missed deadlines, and oversights. You may see it referred to as E&O insurance or professional liability insurance.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Professional liability insurance
This type of coverage protects Pennsylvania businesses against lawsuits related to the quality of their professional services or advice. It's also referred to as errors and omissions insurance.
- Mistakes and oversights
- Breach of contract
- Missed deadlines
Business owner’s policy
A BOP bundles general liability coverage and commercial property insurance at a discount. Small businesses with low risks are typically eligible.
- Accidents that harm customers
- Stolen or damaged business property
- Business interruption insurance
Workers' comp insurance
Pennsylvania law requires workers’ comp for businesses with employees. Sole proprietors may decide to buy this coverage, as personal health insurance won’t cover work injuries.
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy protects Pennsylvania small businesses against financial losses from data breaches and cyberattacks. It’s also called cybersecurity insurance.
- Data breach investigations
- Client notification expenses
- Fraud monitoring services
Commercial auto insurance
This policy is required for vehicles owned by Pennsylvania small businesses. It helps cover financial losses from an accident, along with other types of damage.
- Injuries caused by your vehicle
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Fidelity bonds
A fidelity bond reimburses your clients in the event of employee theft. Your clients may ask you to secure a bond before they will work with your business.
- Embezzlement
- Forged signatures
- Theft of cash or property
Commercial umbrella insurance
An umbrella policy boosts coverage when the limit is reached on your general liability, commercial auto, or employer's liability insurance. It can help small businesses comply with requests for higher limits.
- Personal injury lawsuits
- Auto accident lawsuits
- Workplace injury lawsuits
Looking for different coverage? Check out our other policies.
What are the small business insurance requirements in Pennsylvania?
State laws can affect which policies you need. These insurance products are required for Pennsylvania businesses.
Workers' compensation insurance
The state of Pennsylvania requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance.
Workers' comp covers medical bills for work-related injuries and illnesses. It also provides disability benefits for injured Pennsylvania workers.
Most policies include employer's liability insurance, which helps pay for lawsuits related to employee injuries.
Commercial auto insurance
Vehicles owned by limited liability companies (LLCs), startups, and other businesses in Pennsylvania must be covered by commercial auto insurance. This type of insurance covers financial losses from auto accidents involving your business vehicle.
Pennsylvania's requirements for auto liability insurance coverage are:
- Bodily injury liability per person: $15,000
- Bodily injury liability per accident: $30,000
- Property damage liability per accident: $5,000
Personal, rented, and leased vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), 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 in Pennsylvania?
Commercial insurance can be affordable for small business owners with low risks. Based on policy data from TechInsurance customers in Pennsylvania, the average premiums are:
General liability: $42 per month
Workers' compensation: $64 per month
Professional liability / E&O: $79 per month
Factors that influence the cost of business insurance include:
- Type of business
- Business operations
- Number of employees
- Location, such as Philadelphia or Pittsburgh
- Policy limits and other coverage options
- Claims history
Why Pennsylvania business owners choose TechInsurance
Gain financial protection
The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.
Find insurance policies for your small PA business
Whether you need coverage to sign a contract, rent an office, or get a license, TechInsurance can help you find the right business insurance policies. Our insurance agents are licensed in Pennsylvania and can help you find affordable policies from top-rated insurance companies.
Fill out our easy application to get business insurance quotes today. You can chat with an agent about your insurance needs and get answers to any questions. When you're ready, pay for a policy online and get a certificate of insurance (COI) immediately to show clients that your business is protected.
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