Commercial insurance is designed to protect businesses and their owners and employees. Every business is different, so there is no one-size-fits-all policy, especially for small business owners. Trust our Pennsylvania commercial insurance agency to find you an affordable policy that’s just right for your business needs.
First, think about your business and what coverage you may need. See the policy types below and contact Alchemy Insurance Agency to help you. Our Pennsylvania commercial insurance agency will search to find you an affordable policy from one of our many trusted brands such as Progressive Insurance, Allied Insurance, Nationwide Insurance, Safeco Insurance, Great American Insurance etc.
BOP combines coverage for major liability and property risks under one umbrella. Usually includes insurance for property, business interruption and liability protection.
E&O is specialized insurance that protects businesses and individuals against losses not covered by General Liability insurance.
D&O protects the personal assets of corporate directors and officers. It offers specific coverage not provided by General Liability insurance.
Security to cover not only the brick and mortar location, but also assets such as tools and equipment, computers, inventory technology and more
As an independent Pennsylvania commercial insurance agency, Alchemy can shop multiple brands at once to find the insurance that best suits your needs.
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Commercial Insurance (also called Business Insurance), helps companies protect their intellectual and physical property and their financial assets. This includes losses that could result from lawsuits, property damage, workers' compensation, loss of income, cyber and privacy issues, and more.
Commercial Auto Insurance coverage protects commercial vehicles along with the company employees who operate the vehicles when other individual car policies do not offer that type of auto insurance coverage.
Businesses with employees are required by law in most states to provide Workers’ Compensation, Unemployment Insurance, and Disability Insurance in some states. Also, consider getting an Employment Practices Liability (EPL) policy that protects your business against allegations of discrimination, harassment, and wrongful termination of employees. Finally, keep Auto Insurance in mind if you or your employees are driving for work purposes. It can help cover the costs of possible accidents.
A good rule of thumb for budgeting for Commercial/Business Insurance is about 20 to 30 percent of your business’s gross income. These costs may vary depending on the coverage you need and the risks of certain industries.