Small business insurance in Pennsylvania with Huckleberry Insurance

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Small business insurance in Pennsylvania with Huckleberry Insurance

Small business insurance in Pennsylvania

Pennsylvania takes business seriously. It’s home to more than 1.1 million small businesses—which created over 51,000 jobs in 2016 and currently employ over 2.5 million people. In fact, over 46% of private employees in Pennsylvania are employed by a small business. So if you’re a small business owner in the Keystone State, be proud: You’re a significant driver of the state’s economy, and you need dependable small business insurance to keep your PA business protected.

The most common types of small business insurance in Pennsylvania

Small business insurance in Pennsylvania with Huckleberry Insurance

Covers your full-time and part-time employees if they ever sustain a personal injury or illness because of their job. It pays for medical treatment and lost income while your employee recovers.

Small business insurance in Pennsylvania with Huckleberry Insurance

A package of crucial policies that keep your business protected in unexpected circumstances. It includes property insurance, business interruption insurance, and general liability.

If your business is sued for bodily injury or property damage, business liability insurance can pay out for legal fees and a settlement.

Protects your building and the stuff inside your building (in case of damage or destruction).

Business interruption coverage provides a lifeline to your company if you’re ever forced to close for a covered reason. It helps pay for certain fixed costs—such as your tax bill and payroll—and might even cover the cost of a temporary relocation (if your building is unusable).

Small business insurance in Pennsylvania with Huckleberry Insurance

How much does Pennsylvania business insurance cost?

First, let’s talk about some general numbers. The average premium cost that Huckleberry customers pay for Pennsylvania workers’ compensation is $103 per month. For general liability coverage, the average cost is $60 per month. For a Business Owner’s Policy—which includes general liability and other important coverages you’ll need—the average price in Pennsylvania is $86 per month.

However, the thing to remember is that your rate depends entirely on your business insurance needs. Where your business is, how many employees you have, what industry you’re in, and more determine those needs So prices fluctuate widely, and your rate could be higher or lower than the state average.

In short, the fastest way to find out what your business would pay for small business insurance is to get a 60-second estimate from Huckleberry.

Other business insurance coverages you can add to your Pennsylvania policy

Employment Practices Liability Insurance (EPLI)

Protects your business if an employee claims harassment, discrimination, or termination for an illegal reason.

Hired and Non-Owned Auto Insurance

A type of commercial auto insurance. Covers your small business if you (or someone else associated with your company) causes damage with a non-commercial vehicle (i.e., a vehicle your business doesn’t own).

Professional Liability Insurance

Also called errors and omissions insurance. Helps pay for legal expenses and the cost of a settlement if you make a mistake that harms a client during a professional service.

Liquor Liability Insurance

Helps cover legal costs, medical expenses, and property damage if you ever sell alcohol to an intoxicated person who then causes damage to someone or something.

Spoilage Insurance

Pays out if you lose food or other goods when a refrigerator breaks (or because of another covered event).

Equipment Breakdown Insurance

Covers the repair or replacement of your electrical and mechanical equipment if it breaks.

Restaurant Endorsement

A package of restaurant-specific coverages which protect your restaurant in unforeseen circumstances.

Employee Dishonesty Insurance

If a member of your team ever steals from you (directly or indirectly), this coverage will pay out to compensate your business.

The most common industries getting small business insurance in Pennsylvania:

Small business insurance in Pennsylvania with Huckleberry Insurance

4 reasons why business owners in Pennsylvania love Huckleberry

  1. Get covered in minutes.

  2. Everything is in simple terms.

  3. No paperwork. (Online and easy. As smooth as Philadelphia cream cheese.)

  4. You’ll probably pay less for coverage. (Maybe a lot less.)

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