National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. of businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars

Business Insurance in Pennsylvania FAQ - Quick Answers

While you can't know your exact costs for Pennsylvania commercial coverage without quotes, you can understand what impacts them below:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

If you have any employees, then you'll be required to carry workers' compensation insurance. The same goes for commercial auto insurance for any company-owned autos. In Pennsylvania, all other policies are not mandated, but may be worthwhile to look into.

In Pennsylvania, you'll have specific policies that protect your business based on your individual risk exposures. Here are some common policies that could apply to your operation:

Your Pennsylvania business coverage is likely to start with a general liability policy. This primary policy protects your operation from the following:

Health insurance plans in Pennsylvania are voluntary when you have under 50 employees. If you'd like to offer health coverage to your team members, then a local independent insurance agent can run competitive quotes for free. 

In Pennsylvania, Nationwide, Hiscox, Hanover, and Travelers insurance companies come highly rated. This is because of their broad coverage offerings and superior customer service, making them known as the best for small business protection.

Do You Know What Your Business Insurance in Pennsylvania Covers?

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