Business Insurance in Narberth, PA

There are about one million small businesses across the state of Pennsylvania. No matter their niche, all of these companies need protection against common unexpected disasters. A business insurance policy is designed to do just that.

An independent insurance agent in Narberth, PA can help your company get the right business insurance for you. You'll get the coverage you need long before disaster strikes. But for starters, here's a breakdown of business insurance in Narberth, PA.

How Much Does Business Insurance Cost in Narberth, PA?

Businesses all have their own set of risks. Business insurance costs depend on your company's specific exposures, as well as its:

• Operations
• Size
• Location
• Number of employees
• Revenue and payroll
• Coverage needs

Working together with an independent insurance agent in Narberth, PA is an easy way to get several different quotes for business insurance in your area together in one place.

Is Business Insurance Required in Narberth, PA? 

For companies in Pennsylvania, the business insurance coverage known as workers' compensation is required if they have at least one employee who could get injured. Workers' comp protects against employee injury, illness, or death on the job or due to job duties. In turn, employees and their families forfeit the right to sue your business for related incidents.

Since workers' comp is mandatory by state law for many businesses with employees; you'll want to add this coverage ASAP to avoid fines and other penalties. Work together with your independent insurance agent in Narberth to get set up with workers' comp. They'll also explain other coverages you might want to consider, even if they're not required by law.

What Does Business Insurance Cover in Narberth, PA? 

In addition to workers' comp, your business may need the following coverages:

• Cyber liability insurance: Covers incidents that steal, expose, or corrupt your business's private electronic data.
• Commercial auto insurance: Covers incidents like theft, fire damage, collisions, etc., involving company vehicles.
• General liability insurance: Covers bodily injury and property damage claims filed against the business by a third party.

These coverages might also be needed:

• Pollution liability insurance: Covers environmental pollution claims filed against your business and possible cleanup efforts.
• Employment practices liability insurance: Covers employee claims filed against your business for discrimination in the workplace and more.
• Premises liability insurance: Covers bodily injury or property damage claims filed by third parties on your business's premises.

Reviewing your business's operations and exposures with your independent insurance agent in Narberth, PA is a great way to get matched to the coverages it needs the most.

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What Does Small Business Liability Insurance Cover in Narberth, PA?

Small business liability insurance is essential for protecting your company against lawsuit costs. Without this coverage, you'd have to pay for attorney, court, and settlement fees all on your own. Even though small business liability insurance isn't required by law, having it can really help your business recover financially after a huge lawsuit.

Are There Any Small Business Health Insurance Plans in Narberth, PA?

Businesses with a certain number of employees, typically 50 or less, qualify for small business health insurance plans. Many different insurance companies offer this type of coverage to companies in Narberth, PA. While you can browse for small business health coverage for your employees online, your Narberth independent insurance agent can also help.

What Are the Best Small Business Insurance Companies in Narberth, PA?

Small business insurance companies aren't hard to find, but quality, affordable coverage can be. Save yourself some time while hunting for the right coverage by checking out some of our top picks for business insurance companies in Narberth below.

Best Small Business Insurance Companies in Narberth, PA	Star Rating
EMC Insurance
Stillwater
Westfield
The Hanover
Liberty Mutual

Why Work with an Independent Insurance Agent in Narberth, PA?

There's no such thing as a one-size-fits-all business insurance policy. With a wide variety of products and options at your disposal, you can put together a solid business insurance package that's custom-built for your company.

Independent insurance agents can help you choose the right policies and options to meet your company’s specific coverage needs. Because they're independent, these agents can work with several of the best business insurance companies in Pennsylvania to find you the right coverage at a great price.