Business Insurance in Beaver, Pennsylvania
Business insurance policies can help you reduce the financial fallout should your organization encounter unexpected damage or liabilities. At FernRock Insurance Agency, we’re dedicated to helping you find appropriate coverage for your business.
Is It Required? 
In Pennsylvania, businesses may be required to carry specific coverage. For example, companies must carry workers’ compensation insurance if they employ one or more part-time or full-time employees. Certain contracts may also require specific policies. For example, your landlord may ask for proof of commercial property coverage if leasing an office space or storefront. Companies that use vehicles to conduct business must maintain minimum amounts of commercial auto insurance.
What Coverage Is Included in a Business Insurance Package?
A standard package may provide the following coverages:
- General liability coverage may help provide coverage if you’ve been held liable for third-party risks such as customer injuries, property damage or advertising injuries.
- Workers’ compensation coverage may cover your employees’ medical expenses and lost wages should they get injured at work.
- Commercial property coverage may help pay for repair costs if a covered peril damages your property or equipment.
- Commercial auto coverage may cover your company’s liability for vehicle-related accidents. It may also cover repair or replacement of the company vehicle after a covered event.
Your agent may recommend additional coverage, like professional liability insurance, cyber liability coverage and more.