When you have a small business in Pennsylvania, there are some insurance policy types that are required and some that are helpful but not required. If you need insurance for your Pennsylvania company, call us at Peiffer Insurance to make an appointment to talk with an agent about your business' needs.
Workers' Compensation Coverage
This type of insurance is required for all small businesses. It must cover every employee of your business, even if they are only part-time workers or only work seasonally. With this insurance, the medical bills of an employee can be paid if they have an accident or get sick while they are working.
Commercial Auto Coverage
This type of insurance coverage is required for all vehicles that are owned by your business. If you have a personal auto insurance policy on a business vehicle, it's likely that the policy won't pay in the event of an accident. However, if your business does not own the vehicle, but it is often used for work purposes, it is not required that you have commercial auto insurance on it. However, a personal auto insurance policy likely won't pay for the accident. In that situation, you need an auto policy called hired and non-owned insurance.
General Liability Insurance
This type of insurance is not required for businesses in Pennsylvania, but it is recommended for all small business owners. It covers a number of common incidents that can happen at your place of business. It gives you a blanket of protection for a number of different situations in which you could be held liable.
Insure Your Business
If you have a small business, you need the right types of insurance on it. If your business is in Pennsylvania, call us at Peiffer Insurance to talk about which insurance policies are required and which are just as helpful to have.