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At GeneralLiabilityInsure.com our goal is to get the PA business insurance you need as fast and easy as possible. We specialize in Pennsylvania general liability insurance quotes and have many options placing your small business insurance coverage. We have a fast commercial general liability quote process, making binding coverage simple.
See the benefits you can get by working with our business insurance experts:
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We're not an online lead generation website trying to sell commercial insurance leads to other agents. We're a commercial insurance agency with real, licensed professional insurance agents ready to help.
You get the benefit benefit of our specialized small business insurance experts that work very hard to find you the best coverage options and the lowest cost. Business insurance can be complex.
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We know you want to get the coverage you need quickly to you can get the certificate of insurance (COI). We can help you compare rates and coverages then get you the lowest priced offer.
How Does Business Liability Insurance Work?
If you're a business owner in Pennsylvania or thinking of starting a small business, you're probably aware that you need small business general liability insurance, but maybe you're somewhat confused about what it is, what it covers, and how much you need to fully protect yourself and your business from potential liabilities. What is general business liability insurance? What does it do? Why do you need it? How much should you buy? Read on to discover more about this essential insurance for your business and find out how to get the right level of coverage for your particular needs.
How Much Liability Insurance Do You Need?
The amount of coverage that your PA business needs depends on your individual business model and the amount of risk associated with your business. For instance, a consultant or a web designer may need less coverage than a roofer or a contractor. The location of your business also plays a key role in determining your coverage needs. For instance, if you live in a state that has a tendency to award large amounts of damages to personal injury claimants, then you may want to beef up your liability policy.
Our Pennsylvania general liability insurance policy experts can help you select the coverage levels you need to protect you and your business from the liabilities you face on a daily basis.Request A Quote
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Business Owners Policy (BOP)
Errors and Omissions and more...
Do You Need Other Types Of Insurance?
Some states require that all businesses that have employees pay into the state disability insurance fund and worker's compensation insurance fund, and some require that general liability is purchased as well. In addition, you may need:
- Commercial Property Insurance
- Commercial Auto Insurance
- Professional Liability Insurance (errors & omissions)
- Workers Compensation
- Business Umbrella Insurance and More...
Small Business Liability Insurance Information
How Does Liability Insurance Cover You?
Like a traditional insurance plan, a general liability policy pays for covered claims up to a specified limit. For instance, if your business is sued for injury due to a hazard on the worksite, a policy may cover the medical costs to the injured party along with a set amount for your legal fees. If your business has a liability policy with a $1,000,000 limit, and you're sued for $700,000 with attorney fees amounting to around $100,000, then your policy is sufficient to cover your loss.
However, in the same scenario, if you're sued for $950,000, and you have attorney fees of $100,000, then you may need to come up with an additional $50,000 to cover the loss. This is why it makes sense to purchase more liability insurance than you think you need; better to be safe than sorry when you're putting your personal assets and your business at risk. Excess insurance is always preferable to inadequate insurance.
Do some industry research before buying your policy, and remember that some clients may require that you carry a particular amount of coverage before you can even work for them. Consult with your Pennsylvania agent to find out how much is enough, and if you already have liability insurance, if it's enough.
The commercial insurance content available here at GeneralLiabilityInsure.com is for informational purposes only and not for the purpose of providing legal or financial advice. General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial advisor to obtain advice with respect to any particular commercial insurance questions or issue.Request A Quote
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