Pennsylvania Newsstand Insurance (Quotes, Cost & Coverage)

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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.

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Pennsylvania Newsstand Insurance

PA Newsstand Insurance

Pennsylvania Newsstand Insurance. News dealers distribute newspapers and advertisements for publishers. Products can be sold through retail stands, or vending machines. Others deliver directly to subscribing residential or commercial customers on established routes.

So selling periodicals, magazines, and the daily paper requires having a commercial insurance. In today's day and age the answer is yes. So newsstand operators and business owners should understand there is more than one form of coverage when choosing liability insurance to protect their earnings.

When choosing a policy and a provider for your newsstand Pennsylvania newsstand insurance needs, these are a few of the coverage options to consider, to ensure you are fully protected.

Pennsylvania newsstand insurance protects your shop from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Why Do You Need Newsstand Insurance?

Pennsylvania newsstand insurance offers protection from a wide range of risks and exposures that could potentially impact your business and ability to operate. Following are some of the most common coverages:

Commercial General Liability: General liability is a no-brainer for nearly any business, including the newsstand industry. What it covers are accidents stemming from third party claims. These can include the slip and fall, bodily injury claims, and other lawsuits which a client/customer may threaten against your business. So you need this Pennsylvania newsstand insurance coverage as the "core" of your business insurance policy, in order to avoid those high court costs, legal fees, and out of pocket expenses which tend to stem from such lawsuits.

Commercial Property: This protects the physical property. From damage from fire, theft, burglary, or other acts, your newsstand is covered. Even though these businesses are typically smaller in size and operated outdoors, you still have to pay for repairs or replacement in the event of damage. With this Pennsylvania newsstand insurance in place, not only will your policy cover a portion (or all) costs to do repair work, but even in the event of accidents, if your property is damaged in any way, you are shielded.

Hired/Non-owned Auto: As the name implies, if you hire drivers to deliver the paper, magazines, or other items you sell, and they are driving vehicles during commercial work, they are insured. In case business vehicles are being used for deliveries, meetings, or other commercial/business related matter, drivers are going to be protected from liability. This form of Pennsylvania newsstand insurance coverage isn't required for all business owners in this field; only in the event you have delivery drivers or personnel that do drive routinely, for business related matter.

Commercial Umbrella: Typically this is the "catch-all" coverage you can add onto your Pennsylvania newsstand insurance policy. This is basically in the event your general, worker's comp, auto, and other policies don't have full coverage amounts, you can purchase an excess level of coverage. So if damages are greater than what is covered by commercial liability insurance, you are protected under the umbrella portion of your coverage.

Worker's Compensation: Workers comp is required for any non-owner employees in most states. These can range from delivery drivers, those who set up the newsstands, replace and restock papers, or even cleaners to keep your newsstand looking good for customers. No matter how many employees you have working for you, injuries and accidents can and do take place. Especially in a fast paced environment, if there are plenty of customers, and if they are constantly on the move, accidents tend to occur.

You don't want to have to deal with paying for medical costs, doctor bills, medication cost, and even time off work to pay for employee wages during the time they can't work due to the accident. For these reasons, you want to have PA workers comp in place if you do have one or more employees who work on a full time basis for your business.

Pennsylvania Newsstand's Risks & Exposures

Premises liability exposures are limited for those operations that have delivery routes or vending machines. For those with newsstands, shelving must be easily reached so that customers do not pull items down on themselves. Aisles must be adequate and free of debris with flooring in good condition, no frayed or worn spots on carpet, and no cracks or holes in flooring. Steps and uneven floor surfaces should be prominently marked.

Products liability exposure is very low as activities are limited to distribution of printed material from others.

Workers compensation exposures are from lifting which can cause back injury, hernia, sprains, and strains, and from slips and falls. Employees should be provided with safety equipment, trained on proper handling techniques, and have conveying devices available to assist with heavy lifting. Shelves should be easily accessible for storage. Stepladders should be available. Housekeeping in storage areas, especially during peak times, is vital to prevent trips and falls. Drivers of delivery vehicles can be injured in accidents.

Property exposures are usually very limited as there are few ignition sources and the short amount of time that newspapers and advertising are held on premises. Papers need distribution as soon as they are received. Any accumulation of old paper must be eliminated to prevent it from becoming a huge fire load.

Crime exposures are from employee dishonesty and theft of money and securities from holdup or burglary. Background checks should be conducted on all employees handling money. There must be separation of duties between persons handling deposits and disbursements and handling bank statements. If route delivery persons collect subscriptions, customers may predominantly pay in cash. Receipts must be given to customers and reconciled with the payments received. Vending machines should have counting devices. There should be regular bank deposits during peak collection periods to prevent a large buildup of cash on premises.

Inland marine exposures are from accounts receivable and valuable papers and records for customers’ and suppliers’ records.

Commercial auto exposures can be very high if the news dealer picks up newspapers directly from the publisher or has employees delivering papers on regular routes which can include adverse driving conditions from weather, poorly maintained roads, and congested traffic. Residential areas may have children playing or waiting for school buses. Driving records must be regularly checked and vehicles must be maintained, with full documentation of maintenance and repair. If drivers are contracted, the news dealer should require a certificate of insurance from each driver showing adequate limits of coverage.

PA Newsstand Insurance

You never know when you will require commercial insurance as a business owner. Operating a newsstand might seem simple enough, but as any other business, you need to protect yourself, as there are always potential threats lurking around your business. When the time comes to decide which policy to choose, these are a few optional coverage terms to consider. In addition to shielding you from liability, they will help you stay in business, in the event major accidents, injuries, or if other issues arise at any time during the normal course of business.

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.

Made In Pennsylvania

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 2018 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 2018 calendar year. Other industries that are forecasted to see growth include:

  • Education
  • Healthcare
  • Manufacturing
  • Mining
  • 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 Retail Insurance

Read valuable small business retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Retail Insurance

The businessowners policy was designed with retail exposures and operations in mind. For this reason alone, it should always be the first type of package coverage to consider. However, for those risks not eligible for the business owners policy program, the commercial package policy (CPP) is a practical and convenient way to combine a number of coverages into one policy.

Retail businesses generate income through interaction with customers. This interaction is also how a customer can sustain an injury and then sue the retailer for damages. Hazards, exposures and operations both on premises and off are important and must be covered, but liability the retailer may incur because of the merchandise sold must also be considered and insurance protection arranged.

Inventory or stock is the major property exposure for most retail operations. Because stock values tend to fluctuate or have significant peaks at certain times of the year, value reporting or peak season valuation options should be considered. Business income coverage, including business income from dependent properties coverage, may mean the difference between a retail operation staying in business or being forced into bankruptcy following a loss.

When the insured occupies a non-owned building, insurance coverage must be arranged for the insured’s interest in extensive improvements and betterments made to the premises.

Most retail businesses offer endless opportunities for a variety of criminal activities. For this reason, the coverages needed must be carefully evaluated. Holdup and robbery losses may be the most obvious concerns but employee theft, fraud and counterfeit money losses are also serious issues that cannot be dismissed.

Retail businesses are gaining greater exposure to international issues because of the growth in sales via the internet. As these sales increase, the added exposures faced by these retailers must be evaluated. While their operating horizons are expanding so are their potential loss exposures.


Request a free Pennsylvania Newsstand insurance 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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Newsstand Insurance
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