Commercial Insurance in Pennsylvania

Here in Pennsylvania, what type of commercial insurance you will need will depend upon the nature and scope of your business. For example, a florist who sells flowers online from their garden will need significantly less commercial insurance than a florist who purchases flowers from various vendors and has a fleet of trucks to personally deliver their arrangements. Let's take a look at some of the common types of commercial insurance our team at Bucksmont Insurance offers to local Doylestown, PA businesses:

Getting the Right Commercial Insurance for Your Doylestown, PA Business

Workers' Compensation Insurance

If you hire just one employee for your business, Pennsylvania state law will require you to hold worker's compensation insurance. The only significant exception here is if you are an agricultural employer who either has one or two regular employees or who only employs seasonal workers for 30 or fewer workdays in a calendar year. Workers' Compensation Insurance provides medical recompense to employees who are injured while working.

Commercial Auto Insurance

If your company has one or a fleet of vehicles used to conduct work business, then you will need commercial auto insurance. Pennsylvania requires employers to hold commercial auto insurance that meets the state minimums of $15,000 per person injured in one accident, $30,000 per total for people injured in one accident, and $5,000 for any property damage caused in one accident.

General Liability Insurance

General liability insurance is a style of personal liability that protects businesses rather than individuals in case of a legal claim against them for bodily injury, property damage, and financial injuries caused by things like advertising. No Pennsylvania state law requires businesses to carry general liability insurance, but most will find it incredibly important for their own protection.

Get Your Commercial Insurance Policy Today

Of course, these are just the three most common types of commercial insurance. To learn more about different policies and secure your own Doylestown, PA commercial policy, call our team at Bucksmont Insurance today.