Commercial Insurance

Most Pennsylvania businesses are required to have at least one type of commercial insurance by the state and perhaps two. The state mandates two for Pennsylvania businesses, but not all businesses fall within those mandates. If you need commercial insurance to protect your business and stay legal, call us at Tristate Insurance Store.

Workers' Compensation Insurance

When a business in the state has employees, that business has to have this type of commercial insurance. This requirement doesn't matter how many employees you have or whether they are full, part-time, or seasonal. All employees who work any number of hours at any time must have workers' compensation insurance in the state. This insurance coverage pays for the medical bills and other expenses that become due after an employee has an accident with injuries at work or develops a work-related illness. The policy also pays for the disability benefits employees may need after an injury. This policy protects your business from having to pay out large amounts for injuries and illnesses that can cost quite a lot.

Commercial Auto Insurance

When a Pennsylvania business owns a vehicle, it must have a commercial auto policy to cover it. This policy has several types of coverage to protect your business from paying for various costs after an accident. An amount is required for each person injured in an accident, and a more significant amount is required for all of the injured third parties. Both of these amounts are for bodily injury liability. There is also an amount needed for property damage liability and one for medical benefits. If you run a trucking company, you may have other coverage required.

Get Commercial Insurance in Pennsylvania

To keep your business safe from certain types of liability, you need the mandated commercial insurance. Call us at Tristate Insurance Store to get started.