Small Business Insurance
Small businesses drive our economy. We understand that small business owners like yourself work hard every day and take risks to better serve your customers.
We can help you build and protect your business by providing custom insurance packages to fit you and your budget. You can rely on us to be there when you need us most.
How Much Pennsylvania Commercial Liability Insurance Should You Carry? Every situation is different, but generally speaking, the type of Pennsylvania business you operate or products you manufacture should determine how much Pennsylvania commercial general liability insurance you need. A good rule of thumb for smaller businesses is between $500,000 and $1,000,000. However, if yours is a high risk business such as the building trades or has a high volume of interaction with the public such as a restaurant or retail business, then you should really consider increasing your coverage. If you operate out of your home, your homeowner’s or renter’s insurance has limited coverage for business liability and loss.
If you own a small business in the Keystone State, this information will help you understand Pennsylvania Commercial Liability insurance and protect your business and your personal assets from legal claims and settlements that can spell financial ruin. Whether you work in Philadelphia, Pittsburgh, Allentown, Reading, or Harrisburg, having adequate general liability insurance is an important part of any small business plan in the Commonwealth of Pennsylvania.
Let Robinson Insurance help you find and bind any of the following coverage:
- Business Liability Insurance Package Policy - Often referred to as a Business Owner Policy or "BOP," this General Liability package policy protects your business in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client's location.
- Professional Liability Insurance - Professional Liability or "Errors & Omissions" Insurance provides coverage in the event you are legally indebted to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice -- or other errors or omissions in your work. This coverage is critical for professional services companies.
- Workers' Compensation Insurance - Required in many states, Workers' Compensation Insurance provides medical and disability coverage for business employees in the event of a work related illness or injury.
- Employment Practices Liability Insurance - EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is crucial coverage in today's litigious workplace.
Whether you need property, general liability, professional liability, workers' comp or more, Robinson Insurance offers affordable coverage and professional customer service for businesses based in Pennsylvania.
There are few states have workers' compensation laws that are as strict as Pennsylvania's, where almost all employers must provide workers' compensation insurance coverage for every employee, including part time and seasonal workers. Not-for-profit corporations, unincorporated businesses, and even companies with just a single employee must all comply with the state of Pennsylvania’s requirements.
Because the state's workers' compensation laws are complex and can be perplexing, you may not be sure that you are complying with all the regulations and spending as little as possible for the appropriate coverage. For help getting the coverage you need and taking advantage of all cost-saving opportunities, talk to the Pennsylvania workers' comp insurance experts at Robinson Insurance.