Pennsylvania CommercialGet free Pennsylvania Commercial Insurance quotes and learn more about - PA Workers Compensation Insurance, PA, PA Business Owners Policies, PA Car Insurance, Pennsylvania Business Insurance, PA Life Insurance, PA Health Insurance, PA Health Insurance, PA Disability Insurance, PA Medicare Supplement Insurance, PA Long Term Care Insurance and more.
|
Pennsylvania Commercial InsuranceGet A FREE PA Commercial Insurance Quote As a Pennsylvania business owner, you should be aware of the Pennsylvania Commercial Insurance coverages, so you can find the best policy to fit your Pennsylvania Business Insurance needs. Pennsylvania Commercial InsuranceThe most common types of Pennsylvania Commercial Insurance are commercial property, commercial liability and workers' compensation. In general, PA property insurance covers damages to your PA business property; PA liability insurance covers damages to third parties in PA; and PA workers' compensation insurance covers on-the-job injuries to your employees. Depending on your business, you may want additional specialized Pennsylvania Commercial Insurance coverages. Listed below are some of the different types of Pennsylvania Business Insurance. Pennsylvania Commercial Property InsurancePennsylvania Commercial Property Insurance pays for losses and damages to real or personal property. You can purchase more Pennsylvania Commercial Insurance coverages for business property, including: Boiler and Machinery Insurance - Boiler and machinery insurance, sometimes referred to as "equipment breakdown" or "mechanical breakdown coverage," provides Pennsylvania Commercial Insurance coverage for the accidental breakdown of boilers, machinery, and equipment. This type of Pennsylvania Commercial Insurance coverage usually will reimburse you for property damage and business interruption losses. Debris Removal Insurance - Debris removal insurance covers the cost of removing debris after a fire, flood, windstorm, etc. Your Pennsylvania Commercial Property Insurance will cover the costs of rebuilding, but not of removing the debris. Builder's Risk Insurance - Builder's risk insurance covers buildings while they are being constructed. Glass Insurance - Glass insurance covers broken store windows and plate glass windows. Inland Marine Insurance - Inland marine insurance covers property in transit and other people's property on your premises. Business Interruption Insurance - Business interruption insurance covers lost income and expenses resulting from property damage or loss. Ordinance or Law Insurance - Ordinance or law insurance covers the costs associated with having to demolish and rebuild to code when your building has been partially destroyed (usually 50 percent). Pennsylvania Commercial Property Insurance covers only the replacement value, not the upgrade. Tenant's Insurance - Pennsylvania commercial leases often require tenants to carry a certain amount of insurance. A renter's Pennsylvania Commercial Insurance policy covers damages to improvements you make to your rental space and damages to the building caused by the negligence of your employees. Crime Insurance - Crime insurance covers theft, burglary, and robbery of money, securities, stock, and fixtures from employees and outsiders. Fidelity Bonds - A bond company covers losses due to a bonded employee's theft of business property and money. Pennsylvania Commercial Liability InsurancePennsylvania Commercial Liability Insurance covers injuries that you cause to third parties. If someone sues you for personal injuries or property damage, the cost of defending and resolving the suit would be covered by your liability insurance policy. A general Pennsylvania Commercial Insurance liability policy will cover you for common risks, including customer injuries on your premises. More specialized varieties of liability insurance include: Errors and Omissions Insurance - Errors and omissions ("E & O") insurance covers inadvertent mistakes or failures that cause injury to a third party. The act must actually be an inadvertent error, and not merely poor judgment or intentional acts. Malpractice Insurance - Malpractice insurance, or professional liability insurance, pays for losses resulting from injuries to third parties when a professional's conduct falls below the profession's standard of care. Pennsylvania Malpractice Insurance is available for doctors, dentists, accountants, real estate agents, architects, and other professionals. Commercial Automobile Insurance - Pennsylvania Commercial Auto Insurance policies cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property. Directors' and Officers' Liability Insurance - This type of Pennsylvania Business Insurance is generally purchased by corporations and nonprofit organizations to cover the costs of lawsuits against directors and officers. Pennsylvania Workers Compensation InsurancePennsylvania Workers Compensation Insurance covers you for an employee's injuries on the job. Pennsylvania businesses with employees are required by PA state law to carry some type of workers' compensation insurance. In most cases, workers' compensation laws prohibit the employee from bringing a negligence lawsuit against an employer for work-related injuries. Pennsylvania Business Owners PolicyRather than purchasing separate Pennsylvania Commercial property and Pennsylvania Commercial liability coverage, many small businesses opt to lump them together in what's known as a Pennsylvania Business Owners Policy (or BOP). For eligible small and medium-sized PA businesses, Business Owner's Package is a comprehensive package that can be a potential bargain source of insurance. |