Business insurance quote

A business owners policy (BOP) bundles general liability, commercial property (building or contents), and business interruption. Hired and non-owned auto and employment practices liability are usually optional add-ons, not automatic, and cyber and professional liability are usually separate policies. Ask us which add-ons a quote includes.

Pennsylvania generally makes workers' comp mandatory for employers with one or more employees. If you are the only person working in the LLC, ask us how that applies to your setup. Once you add workers, a 1099 does not settle it on its own: a worker whose work you control can still count as an employee, and construction work is judged by a specific test under the Construction Workplace Misclassification Act (Act 72 of 2010). Tell us who works for you, and we can write the BOP and workers' comp at the same carrier or different carriers depending on which prices better.

Yes, but the carrier panel narrows. Several recent claims can move a business out of standard markets and into surplus-lines or program markets. We tell you upfront which markets are realistic given your loss history, and our claims page explains how to report a new one.