There are mandatory types of commercial insurance that are required in Pennsylvania and some that are needed but not required. If you don't have the necessary commercial insurance in place for your Pennsylvania business, call us now at Weber Insurance in Hanover, PA.
If there is a vehicle owned by your business, that vehicle must have commercial auto coverage. This policy will have coverage for bodily injury liability, property damage liability, and medical benefits. All these types of coverage come with a mandatory minimum designated by the state. However, these minimums tend to be low, and many businesses opt to get higher amounts of coverage to keep their businesses better protected against accidents and medical costs.
In Pennsylvania, all employees who do work for your business are required to be covered by workers' comp insurance. This type of insurance covers the medical bills of employees if they are injured or become ill while on the job. This coverage must be in place even if the employee is your spouse or child, and even if the employees are seasonal. No matter what, if someone is not an owner of the business, they must be covered by this type of commercial insurance.
While only those two commercial insurance types are mandatory, there are many other types that can be helpful to your business. Cyber insurance covers a wide range of problems that can happen online. A general liability policy offers liability coverage for a number of situations that can happen in your business. It's a good idea to have an insurance agent assess your type of business and recommend the types of insurance policies that are needed.
If you own a business, there's no excuse not to have the right types of insurance to protect your business. If you need commercial insurance, contact us at Weber Insurance in Hanover, PA to talk to an agent about your company's insurance needs.