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Does Pennsylvania Legally Require All Business Owners to Have Commercial Insurance?

At Valor Insurance in Easton, PA, we’ve walked plenty of experienced and new business owners through the process of obtaining commercial insurance over the years. One of the most common questions we receive is about whether Pennsylvania legally requires every business owner to obtain commercial insurance.

Since it can be costly to possess less than the minimum commercial insurance requirement and even cause legal problems, you’ll want to review the laws surrounding commercial insurance for business owners if you operate a business in Pennsylvania.

What is commercial insurance?

Simply put, commercial insurance is a form of protection for businesses that can cover liability, property protection, theft, and more. As you can imagine, it’s a vital source of emergency expense coverage for many business owners across the United States.

Even if it’s not legally required in your state or for your specific circumstances, it’s good to have commercial insurance if you own a business. It ensures that you’ll be able to handle almost any emergency financially as a business owner. That kind of peace of mind pays for itself.

Does Pennsylvania legally require all business owners to have commercial insurance?

At a minimum, Pennsylvania law requires businesses that have employees to hold worker’s compensation insurance, which is a type of commercial insurance that helps cover worker’s compensation expenses. If you have a company car, you may also need to purchase commercial auto insurance to meet minimum legal requirements.

Certain types of businesses such as home-based businesses may want policies that cater to home-based businesses. While commercial insurance isn’t always legally required in Pennsylvania, it’s almost always recommended to protect small businesses and large ones from financial devastation.

Contact Us Today

To protect your business, call Valor Insurance in Easton, PA today.