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Commercial Insurance in Pennsylvania

Name: Daniel Fitzsimmons Agency, Inc
Address: 715 Twining Road, Suite 101, Dresher, PA, 19025
Telephone: 215-885-0430

Do you own a business in the state of Pennsylvania? If so, allow the professionals at Daniel Fitzsimmons Agency in Dresher, PA to help you choose great coverage for your business. We offer various types of business insurance coverage, ranging from general liability to workers’ compensation. Having business insurance protects your establishment against financial loss.

Commercial Insurance Requirements

The state of Pennsylvania requires all businesses to obtain insurance. For example, both workers’ compensation and commercial auto insurance are required.

Workers’ compensation is required for all businesses that employ part-time, full-time, or seasonal employees.

Commercial auto insurance is also required for businesses that have commercial vehicles. Vehicles must be insured with:

Bodily injury coverage in the amount of $15,000 for each person and $30,000 for each accident
Property damage coverage in the amount of $5,000 for each accident
Medical benefits coverage for $5,000

Commercial Insurance Coverage

The following commercial insurance coverage options are offered for all businesses:

Business owner’s policy: This is an excellent option for businesses seeking a bundle insurance policy. Both general liability and property insurance are included with this policy. It protects your business against customer injuries. It also protects your business property if customers have damaged it.
Professional liability: This policy is recommended if your business provides professional advice or services. It’s ideal for negligence lawsuits and more.
Cyber coverage: This protects your business against data breaches and fraud. You should consider this coverage if your business handles sensitive information, including credit card numbers.
Property coverage: This coverage is best for weather damage, fire, vandalism, and theft. It protects your business’s physical structure, equipment, and inventory.