Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Labor Union Insurance Pennsylvania
Labor Union Insurance Pennsylvania. Trade and labor unions were formed to improve the wages, benefits and working conditions of its members through collective bargaining. They may be limited to one type of worker, such as carpentry, or be organized around an industry, such as construction. The union's officers are elected by the members and make decisions on their behalf. They represent members in disputes with management. They may advocate for legislation and social policies favorable to their members.
Some unions offer counseling, job placement, temporary job services, or vocational rehabilitation and training. Many unions sponsor social activities for their members, such as picnics, athletic teams/leagues, or parties. Alcoholic beverages may be served at social events. Some unions provide transportation services to sponsored events and have significant automobile exposures. Others are responsible for pension or retirement funds and have a significant fiduciary exposure.
Strikes, labor disputes, and walkouts may occur if the members of the union decide to take action against employers, increasing the potential for personal injury liability, bodily injury, and property damage. Labor unions are nonprofit, and their workers are a combination of voluntary and paid. While most of the funding is through membership dues, there may be additional fund-raising activities.
Geographic exposure is usually local, but most unions are linked to state or national organizations. All activities, operations, fund-raising promotions, and geographic exposures of the union should be carefully evaluated.
PA unions are a vital part of the workforce. They work with employers on behalf of the employees they represent to establish protections in the workplace and to set standards of pay, thereby improving working conditions by ensuring that employees are receiving just treatment. Unions also help society, as a whole, by promoting economic gains, increasing productivity, and reducing the turnover rate.
Are you in charge of a prominent trade union? Have you and your colleagues decided to create a local union? Either way, it's important that you have the right type of labor union insurance Pennsylvania protection in place.
Labor union insurance Pennsylvania protects your trade and labor union locals, regional and national associations from lawsuits with rates as low as $57/mo. Get a fast quote and your certificate of insurance now.
Why Is Insurance So Important For Trade & Labor Unions?
PA labor unions endorse the best interests of the employees they represent. They also work directly with employers to ensure that they workers they are supporting are receiving just treatment. There are several risks associated with operating a union; employees can file a lawsuit against you, stating that they didn't receive just representation, a client could slip, fall, and sustain an injury while visiting your office, you could be involved in a car accident while driving to a job site.
These are just some of the risks that are associated with operating a trade or labor union. You are financially responsible for covering the costs of any damages and litigation. Insurance provides financial protection for the organization, as well as the personal assets of those who are invested in the union.
With the right labor union insurance Pennsylvania, instead of having to pay for any damages and legal fees out of your own pocket, your insurance provider will cover the costs. In other words, insurance can protect you from financial devastation.
What Type of Insurance Do Labor And Trade Unions Need?
The insurance needs of a PA labor union depend on a variety of factors; the industry and the number of employees you are representing, as well as the location of your union, for example. While the risks and protections that a labor union needs will vary, there are certain labor union insurance Pennsylvania coverages that all unions should have in place, including:
- Commercial General Liability - General liability coverage is a vital for all labor unions. This type of coverage protects your organization against third-party claims, including personal injuries, property damage, advertising mishaps, and other types of risks. For example, if a client sustains an injury while visiting your office and files a lawsuit, general liability insurance will help to pay for any associated medical expenses, legal fees, and any other covered expenses.
- Business Auto - If you or any other representatives of your labor union use vehicles for work-related purposes, commercial auto insurance is an absolute must. For instance, if you cause a rear-end collision while driving to a job site, your commercial auto insurance will pay for any damages that the other vehicle sustained. If the driver of the vehicle you hit takes legal action, your commercial auto insurance will also help to cover the cost of a lawyer, court fees, and other related legal expenses.
- Workers Compensation - Whether you employ a staff of five, 50, or 500, workers' comp is important and often required. This type of insurance covers the cost of medical care and any rehabilitation that your employees might need if they suffer a work-related injury or illness. It can also provide compensation for any wages that an employee loses while he or she is recovering, as well as legal fees, should the employee decide to file a lawsuit.
- Fiduciary Liability - This type of insurance coverage will protect your labor union, the directors and officers, and the trustees from any fiduciary-related legal claims, such as the mismanagement of your employees' benefit plans. For instance, if an employee you represent claims that you offered poor advice regarding investment practices, or you were negligent with the investments that you were entrusted with, fiduciary liability insurance will help to cover the cost of any related legal fees.
These are just some of the insurance options that PA labor unions should invest in.
PA Labor Union's Risks & Exposures
Premises liability exposure is minor if limited to an office. If there is a union hall, visitors may be injured from slips and falls. Flooring should be in good condition, with no frayed or worn spots on carpet, and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked. Sufficient exits must be provided and be well marked with backup lighting systems in case of power failure.
If training is conducted on premises, there may be additional exposures due to the nature of that trade. If daycare is provided, background checks should be conducted on all daycare attendants. Children must be properly supervised at all times. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. If the hall is open after dark, lighting must be adequate both inside and outside the building.
The union hall may be a target for vandals, disgruntled members, or the public. There must be adequate security to prevent unauthorized entry. Any off-premises exposure from union activities must be evaluated. Personal injury exposure can arise from union activities, particularly if others do not share their viewpoint, and can include alleged assault and battery, discrimination, invasion of privacy, and unlawful detention. Employees must be trained to handle such situations properly.
Directors and officers exposure can be substantial as they are more likely to be sued for any adverse results of their decisions in times of economic downturn. Policies and procedures should be published and consistently followed, especially as they relate to membership, membership revocation, the election of officers, and removal of officers.
Liquor liability exposure arises if liquor is provided or sold during social events. Servers must be trained to recognize the effects of excessive alcohol consumption, to verify the age of those ordering alcoholic beverages, and to refuse service to underage members or guests.
Workers compensation exposure may be limited to office employees who may develop repetitive motion injuries such as carpal tunnel syndrome. Workstations should be ergonomically designed. Any union employee attempting to start new union shops may be subject to intimidation by the management of the employer being targeted for union organization. Training in the handling of potentially escalating situations is important to avoid injury to union employees.
If the union hall houses other activities such as a restaurant or job training, employees may be injured by electric shocks, back sprains and strains, machinery, heat, extreme cold, respiratory illness, slips or falls, being hit by dropped objects, or falls from heights.
Property exposure comes from the office and the union hall. Ignition sources include electrical wiring, heating, and air conditioning systems, and cooking equipment. Electrical wiring must be up to date and meet codes for current use. If training takes place at the union hall, all exposures affecting that trade group should be evaluated to determine the increased potential for fire.
If the union hall serves food and drink, kitchen appliances should be protected with automatic shut-off valves and fire extinguishing agents. Housekeeping is critical, with grease filters cleaned and maintained regularly. Activist unions may antagonize others not supportive of their viewpoint and may become targets for acts of intimidation that include vandalism, arson, and firebombing. Additional security may be needed.
Crime exposure comes from employee dishonesty and theft of money and securities. Employee dishonesty coverage should be expanded to include volunteers as employees. Background checks should be conducted on all employees and volunteers handling funds. Receipts should be provided for all payments.
Regular audits, preferably by an independent accountant, must be performed to ensure that all funds are being properly handled. Duties must be separated to guarantee appropriate checks and balances. Unions hold the dues and pension funds in trust for the membership. Surety bonds are available to meet governmental obligations arising from this fiduciary responsibility.
Inland marine exposure comes from accounts receivable for dues collected from members' employers, computers, and valuable papers and records for historical documents, contracts, members' records, and minutes of active negotiations. All records must be duplicated and stored at an off-site location for easy restoration in the event of a loss. The union may need scheduled property floater coverage for items used in union organizing, meetings, and other activities.
Commercial auto exposure is generally limited to hired and non-owned auto for employees or volunteers running errands on behalf of the union. Some larger organizations may have full-time employees who must visit the workplaces of union members and assist in organizing new unions. If there is a private passenger fleet, all drivers should have valid licenses with MVRs regularly reviewed.
All vehicles should be maintained with records of the maintenance kept in a central location. If buses are rented to transport members to various functions, coverage should be evaluated based on where the buses are going, licenses and MVRs of drivers, and the contract with the organization that is supplying the bus.
AFL-CIO Affiliated Unions
- Actors' Equity Association (AEA)
- Air Line Pilots Association (ALPA)
- Amalgamated Transit Union (ATU)
- American Federation of Government Employees (AFGE)
- American Federation of Musicians of the United States and Canada (AFM)
- American Federation of School Administrators (AFSA)
- American Federation of State, County and Municipal Employees (AFSCME)
- American Federation of Teachers (AFT)
- American Guild of Musical Artists (AGMA)
- American Guild of Variety Artists (AGVA)
- American Postal Workers Union (APWU)
- American Radio Association (ARA)
- American Train Dispatchers Association (ATDA)
- Associated Actors and Artistes of America (4As)
- Association of Flight Attendants (AFA-CWA)
- Bakery, Confectionery, Tobacco Workers and Grain Millers International Union (BCTGM)
- Brotherhood of Railroad Signalmen (BRS)
- California School Employees Association (CSEA)
- Communications Workers of America (CWA)
- Farm Labor Organizing Committee (FLOC)
- Glass, Molders, Pottery, Plastics & Allied Workers International Union (GMP-USW)
- Industrial Union of Electronic Workers (IUE-CWA)
- International Alliance of Theatrical Stage Employees, Moving Picture Technicians, Artists and Allied Crafts of the United States, Its Territories and Canada (IATSE)
- International Association of Bridge, Structural, Ornamental and Reinforcing Iron Workers (Ironworkers)
- International Association of Fire Fighters (IAFF)
- International Association of Heat and Frost Insulators and Allied Workers (HFIU)
- International Association of Machinists and Aerospace Workers (IAM)
- International Association of Sheet Metal, Air, Rail and Transportation Workers (SMART)
- International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers and Helpers (IBB)
- International Brotherhood of Electrical Workers (IBEW)
- International Federation of Professional and Technical Engineers (IFPTE)
- International Longshoremen's Association (ILA)
- International Plate Printers, Die Stampers and Engravers Union of North America (Plate Printers and Die Stampers)
- International Union of Allied Novelty and Production Workers (Novelty and Production Workers)
- International Union of Bricklayers and Allied Craftworkers (BAC)
- International Union of Elevator Constructors (IUEC)
- International Union of Operating Engineers (IUOE)
- International Union of Painters and Allied Trades of the United States and Canada (IUPAT)
- International Union of Police Associations (IUPA)
- Laborers' International Union of North America (LIUNA)
- Marine Engineers' Beneficial Association (MEBA)
- NFL Players Association (NFLPA)
- National Air Traffic Controllers Association (NATCA)
- National Association of Broadcast Employees and Technicians (NABET-CWA)
- National Association of Letter Carriers (NALC)
- National Federation of Federal Employees (NFFE-IAM)
- National Nurses United (NNU)
- National Postal Mail Handlers Union (NPMHU)
- National Taxi Workers Alliance (NTWA)
- Office and Professional Employees International Union (OPEIU)
- Operative Plasterers' and Cement Masons' International Association of the United States and Canada (OPCMIA)
- Printing, Publishing and Media Workers, CWA (PPMW-CWA)
- Professional Aviation Safety Specialists (PASS)
- Retail, Wholesale and Department Store Union (RWDSU-UFCW)
- Screen Actors Guild-American Federation of Television and Radio Artists (SAG-AFTRA)
- Seafarers International Union of North America (SIU)
- The Guild of Italian American Actors (GIAA)
- The Newspaper Guild (TNG-CWA)
- Transport Workers Union of America (TWU)
- Transportation Communications International Union/IAM (TCU/IAM)
- UNITE HERE
- United Association of Journeymen and Apprentices of the Plumbing and Pipe Fitting Industry of the United States and Canada (UA)
- United Automobile, Aerospace & Agricultural Implement Workers of America International Union (UAW)
- United Food and Commercial Workers International Union (UFCW)
- United Mine Workers of America (UMWA)
- United Steel, Paper and Forestry, Rubber, Manufacturing, Energy, Allied Industrial & Service Workers International Union (USW)
- United Union of Roofers, Waterproofers and Allied Workers (Roofers and Waterproofers)
- Utility Workers Union of America (UWUA)
- Writers Guild of America, East Inc. (WGAE)
PA Labor Union Insurance
To make sure that your union is properly protected, speak to an experienced insurance broker to find out exactly what type of labor union insurance Pennsylvania coverage you need and how much coverage you should carry to protect your operations, leadership and members.
Pennsylvania Economic Business Outlook & Commercial Insurance Requirements
While you might have a fantastic idea for a business, if you aren't setting up shop in the right PA location, there's a good chance that you won't see the success that you hope to achieve. With that said, it's important that you have an understanding of the economic status of the state that you are thinking about doing business in. It's also important for you to know what type of rules and regulations regarding insurance are in place in that state.
If you are thinking about doing business in the Commonwealth of Pennsylvania, keep on reading to find out some valuable information that you can use to make the best choices for your operation.
Pennsylvania's Economy Now And Into The Future
In terms of the economy, Pennsylvania's future looks pretty bright. It boasts the sixth largest economy in the United States. It is also home to some of the largest private and public organizations in the nation, as per sales.
The job market is expected to see steady growth in Pennsylvania during the 2019 calendar year. That rate is expected to be 1 percent, which is a marked increase from previous years. This is largely due to the high pool of educated laborers that reside in the state. Currently the unemployment rate is 4.9 percent, which is on-par with the rest of the nation. It is believed that the unemployment rate will continue to drop as more jobs are added.
For business owners, there are several industries that will afford success. The food products industry, particularly related to agriculture, contributes largely to the state's economy. This is expected to continue moving forward throughout the 2019 calendar year. Other industries that are forecasted to see growth include:
- Printing & Publishing
If you are thinking about doing business in PA, working in one of these industries will likely afford you success.
Insurance Requirements For Businesses In Pennsylvania
The Pennsylvania Insurance Department regulates insurance in PA. Business owners are legally required to carry workers compensation insurance. This type of coverage is a must for any business that employs any W2 part-time or full-time employees, and for employees that are either hourly or salaried. You must also carry PA commercial auto insurance if you plan on using a vehicle to conduct anything related to your business.
While commercial liability insurance is not required in Pennsylvania, it is still a wise idea to invest in. This type of coverage will protect you from the cost of any lawsuits that could potentially arise.
Additional Resources For Non-Profit Insurance
Find useful articles on business insurance for non-profit 501(c)(3) organizations, charities and associations.
- Fraternal Organization
- Labor Union
- Parent Teacher Organization
- Public Administration
- Social Work Services
For 501(c) Non-Profits - Directors And Officers Liability Insurance has become an increasingly important policy to have. D&O coverage protects insured directors or officers against claims involving allegations of wrongful acts occurring while performing their duties as such. The insurance is divided into two separate coverages:
Side A coverage reimburses the individual directors and officers for payments made for loss each has incurred because of wrongful acts.
Side B coverage reimburses the corporation for the payments it has made on behalf of the directors or officers themselves.
General Liability is a foundational policy for almost any business. Most companies do not have any control over the final cost of injuries to a person injured because of their operations, products, or services. The person injured may be a young child, a blue-collar worker, a surgeon, or a homeless person.
The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. Do you have sufficient assets to pay such a loss?
Commercial general liability insurance is designed to help you protect your assets with three main coverages:
- Coverage A: Bodily Injury and Property Damage Liability
- Coverage B: Personal and Advertising Injury Liability
- Coverage C: Medical Payments
Request a free Labor Union Insurance Pennsylvania quote in Aliquippa, Allentown, Altoona, Ambridge, Baldwin, Beaver Falls, Bellevue, Berwick, Bethel Park, Bethlehem, Bloomsburg town, Bradford, Brentwood, Bristol, Brookhaven, Butler, Camp Hill, Canonsburg, Carbondale, Carlisle, Carnegie, Castle Shannon, Chambersburg, Chester, Coatesville, Collingdale, Columbia, Connellsville, Conshohocken, Darby, Dormont, Downingtown, Doylestown, DuBois, Dunmore, East Stroudsburg, Easton, Economy, Elizabethtown, Ellwood, Emmaus, Ephrata, Erie, Franklin Park, Gettysburg, Glenolden, Greensburg, Grove, Hanover, Harrisburg, Hatboro, Hazleton, Hermitage, Huntingdon, Indiana, Jeannette, Jefferson Hills, Johnstown, Kingston, Lancaster, Lansdale, Lansdowne, Latrobe, Lebanon, Lewistown, Lititz, Lock Haven, Lower Burrell, McKeesport, Meadville, Mechanicsburg, Middletown, Millersville, Milton, Monessen, Monroeville, Morrisville, Mount Joy, Munhall, Murrysville, Nanticoke, New Castle, New Cumberland, New Kensington, Norristown, Northampton, Oil, Old Forge, Palmyra, Perkasie, Philadelphia, Phoenixville, Pittsburgh, Pittston, Pleasant Hills, Plum, Pottstown, Pottsville, Quakertown, Reading, Ridley Park, Scranton, Shamokin, Sharon, St. Marys, State College, Sunbury, Swissvale, Tamaqua, Uniontown, Warren, Washington, Waynesboro, West Chester, West Mifflin, White Oak, Whitehall, Wilkes-Barre, Wilkinsburg, Williamsport, Wilson, Wyomissing, Yeadon, York and all other cities in PA - The Keystone State.
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