Business Insurance in Swarthmore, PA

Experts break down business insurance costs, coverages, companies, and more for drivers in Swarthmore, PA.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Business people working in an office lobby. Business Insurance in Swarthmore, Pennsylvania.

The small town of Swarthmore, Pennsylvania with about 6,500 residents, may seem like a less risky place to own a company. However, no matter where it's located, every business will need the proper protection. Fortunately, a commercial insurance adviser can help for zero cost to you.

You'll get the best of both worlds when you work with a Swarthmore, Pennsylvania independent insurance agent. They do the shopping for you through their network of highly rated carriers, and you run your business. Consider using a trained expert to get started.

How Much Does Business Insurance Cost in Swarthmore, Pennsylvania

Premiums for small business insurance in Swarthmore, Pennsylvania will depend on several risk factors. Each entity will have a unique rate that can only be determined through custom quotes. Check out what insurance companies use to price your commercial insurance coverage:

  • Years of experience
  • Company vehicles used 
  • Gross annual sales
  • Property and inventory values
  • Industry type
  • Employee payroll
  • Number of employees
  • Location of business

Is Business Insurance Required in Swarthmore, Pennsylvania?

Every state will be different in what small businesses require regarding insurance coverage. In Swarthmore, Pennsylvania, it is mandatory to obtain the following policies as they may apply to your daily operations:

What Does Business Insurance Cover in Swarthmore, Pennsylvania?

Your Swarthmore, PA business will have primary policies necessary for solid protection. Within each policy are limits of coverage that will be customized to your needs and budget. Check out the most purchased small business insurance policies below to find out what they cover: 

  • Business inventory: Pays for the repair or replacement of company-owned inventory merchandise.
  • Cyber liability: Pays for legal fees associated with a cyberattack where sensitive company data has been breached.
  • Business property: Pays for repairing or replacing company-owned property and belongings. 
  • Business interruption: Pays for regular business expenses while your company has to shut down due to a covered loss.
  • Business auto: This policy pays for claims that may result from driving a company-titled vehicle.
  • General liability: Pays for a bodily injury and property damage loss of others.
  • Business equipment breakdown: Pays for repairing or replacing company-owned equipment that breaks down due to a covered loss.
  • Commercial umbrella liability: Pays for a bodily injury and property damage loss of others after it exhausts your underlying limits.
  • Workers' compensation: Pays for medical expenses and lost wages of an injured or ill employee resulting from job duties.

What Does Small Business Liability Insurance Cover in Swarthmore, Pennsylvania?

Pennsylvania has 1,000,000 small businesses. You'll likely start with liability insurance for your operation if you're among them. This policy will protect in many ways, and the most common instances are listed below:

  • Coverage for a slip and fall on-site or as a result of doing business
  • Coverage for bodily injury or property damage claim
  • Coverage for a liability claim involving your commercial vehicles
  • Coverage for legal fees due to a cyberattack when sensitive data is compromised

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Our independent agents shop around to find you the best coverage.

Are There Any Small Business Health Insurance Plans in Swarthmore, Pennsylvania?

Your small business may want to offer added perks to employees through a business health insurance plan. In Swarthmore, Pennsylvania, you won't be required to provide company health coverage unless you have a staff of 50 or more. Still, if you want to obtain quotes, you can usually get proposals for health insurance from your business insurance agent.

What Are the Best Small Business Insurance Companies in Swarthmore, Pennsylvania?

When you're searching for the best insurance company for your small business coverage, you'll have some options. It can be hard to weed through the different choices, so here are some top-ranked companies in Swarthmore, Pennsylvania you may want to look at:

Best Small Business Insurance Companies In Swarthmore, PA Star Rating
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5 star rating

These carriers are highly rated among peers due to their superior claims handling and excellent coverage selections for small businesses. To get quotes through these carriers and more, consult with a licensed insurance adviser. 

Why Work with an Independent Insurance Agent in Pennsylvania?

To get the proper protection for your small business, you need the right coverage. There are numerous policy and limit options, which makes obtaining commercial insurance challenging. Fortunately, you don't have to do it on your own.

A Swarthmore, Pennsylvania independent insurance agent can do the shopping for you at no additional cost to your business. They quote, advise, and find the most affordable coverage for your daily operations. Consult with a trusted expert to get started in minutes.

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