Pennsylvania Business Insurance
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PA Counties Business Insurance Information

Pennsylvania Business Insurance Information By County

Are you looking for business insurance information for a county in Pennsylvania?

Business insurance requirements vary both by state, counties and cities and that state. For example - workers compensation is virtually required in every state, but there are different rules on what constitutes and employee, and how many employees are needed to mandate coverage.

Also Pennsylvania counties, cities and municipalities might require specific coverages to do business in their jurisdiction. Below you will find every county in PA that you can use to start researching the business insurance policies, endorsements and limits that may be required.

Looking for Pennsylvania business insurance information in a county? Find commercial insurance info - including costs, coverages and requirements - from all counties in PA.

Where Can I Find Business Insurance Information For Counties In Pennsylvania?

Finding PA business insurance information by county is simple - just by searching our Pennsylvania Directory of Counties - you can find the business insurance policy information you are looking for - including costs, coverages, minimum requirements and more.

Pennsylvania Business Insurance Information Results By County:

Pennsylvania - Small Business Insurance Information By County


How Are Pennsylvania State, County And Municipal Governments Organized?

COUNTY GOVERNMENTS

The entire area of the state of Pennsylvania is encompassed by county governments except for Philadelphia County. Philadelphia County is substantially consolidated with the City of Philadelphia for governmental purposes and functions primarily as a city. Philadelphia is counted as a municipal government, rather than as a county government for U.S. Census Bureau statistics.

The governing body of each county government is a Board of County Commissioners. Any county may adopt a home-rule charter that provides for its government. Pennsylvania counties are divided into the following nine classes according to population size:

  • First class-1,500,000 inhabitants or more (Philadelphia).
  • Second class-800,000 to 1,499,999 inhabitants (Allegheny).
  • Second-class A-500,000 to 799,999 inhabitants (Delaware and Montgomery).
  • Third class-210,000 to 499,999 inhabitants.
  • Fourth class-145,000 to 209,999 inhabitants.
  • Fifth class-90,000 to 144,999 inhabitants.
  • Sixth class-45,000 to 89,999 inhabitants and those having 35,000 to 44,999 inhabitants that by ordinance or resolution of the Board of County Commissioners elect to become a county of the sixth class.
  • Seventh class-20,000 to 44,999 inhabitants and those having 35,000 to 44,999 inhabitants that have not elected to become a county of the sixth class.
  • Eighth class-fewer than 20,000 inhabitants.

SUBCOUNTY GENERAL PURPOSE GOVERNMENTS

The subcounty general purpose governments in Pennsylvania consist of municipal (borough, city, and town) governments and township governments. These two types of governments are distinguished primarily by the historical circumstances surrounding their incorporation.

In Pennsylvania, boroughs, cities, towns, and townships have similar powers and perform similar functions.

Municipal Governments

The term "municipality," as defined for Census Bureau statistics on governments, applies only to the boroughs, cities, and one incorporated town (Bloomsburg) in Pennsylvania. Townships, to which the terms "municipality" and "municipal corporation" are applied by Pennsylvania statutes, are counted for Census Bureau statistics as township rather than municipal governments.

Incorporation as a borough requires a minimum population of 500 residents. To change from a borough or township to a city requires a minimum population of 10,000 and a referendum. Any municipality may adopt, after an election, a home-rule charter that provides for its government. The following classes, based on population size, apply to cities:

  • First class-1,000,000 inhabitants or more (Philadelphia).
  • Second class-250,000 to 999,999 inhabitants (Pittsburgh).
  • Second-class A-80,000 to 249,999 inhabitants and that by ordinance elect to become second-class A city (Scranton).
  • Third class-fewer than 250,000 inhabitants, including those that have not elected to become a second-class A city.

All cities, boroughs, and incorporated towns exist outside the area of any governmentally active township.

Township Governments

Townships, although not differing in legally authorized powers from the types of municipal governments described above, are counted in Census Bureau statistics as a separate type of local government.

The entire area of the state is encompassed by townships, except for areas within the boundaries of cities, boroughs, or incorporated towns. Pennsylvania townships are divided into two classes. Townships of the first class are those having a population density of at least 300 per square mile that have elected to choose first-class township status.

All other townships are second-class townships. Change from second to first class is initiated on petition of voters and subject to a referendum.

The governing body of each township is an elected board of commissioners in first-class townships and an elected board of supervisors in second-class townships. Any township may adopt a home-rule charter that provides for its government.

Find more information on the state of Pennsylvania website.

Note: Some of this info was provided by the U.S. Department of Commerce, Economics and Statistics Administration and the U.S. Census Bureau.

How Do I Contact The Pennsylvania Insurance Commissioner?

PENNSYLVANIA - DEPARTMENT OF INSURANCE
1209 Strawberry Square
Harrisburg, PA 17120
Phone: (717) 787-2317

Web: https://www.insurance.pa.gov/Pages/default.aspx


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Also find Pennsylvania insurance agents & brokers and learn about Pennsylvania small business insurance requirements for general liability, business property, commercial auto & workers compensation including PA business insurance costs. Call us (267) 296-1099.