General Liability Insurance PA

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Basic Protection for Your Pennsylvania Businesses

It is also called business liability insurance or commercial general liability Insurance PA. This insurance can protect your business against claims for bodily injury and property damage. You’ll be on the hook for these claims if you don’t have liability insurance.

Pennsylvania’s economy is driven by small businesses. You’ll need the right insurance for your small business to protect it. Comparing quotes from different insurance companies will help you find the best price for general liability insurance in PA. Get a quote today to get started.

Who needs general liability insurance in Pennsylvania?

You may need to customize the liability insurance for your PA business based on your industry. Small businesses in PA that require general liability coverage include:

  • Contractors
  • Landscapers
  • Restaurants
  • Bakeries
  • Hair salons
  • Manufactures
  • Cleaning Services
  • Consultants

Does Your Small Business Need General Liability Insurance?

General liability insurance is important for Pennsylvania businesses because it helps protect you from:

  • Customer injuries
  • Property damage caused by you or your employees
  • Reputational harm like libel
  • Advertising injuries like copyright infringement
  • Damage to rented property

PA General Liability Insurance: Is it Required?

Pennsylvania does not require general liability insurance, but it is highly recommended. You’ll be responsible for paying out-of-pocket to cover bodily injury claims and property damage if you don’t have it. Most commercial leases do require this coverage.

Pennsylvania requires you to have both workers’ compensation and commercial auto coverage. Most business owners require hired and non owned auto coverage to cover vehicles that are rented or leased for their work. You should also keep in mind that your commercial auto insurance is different from your personal coverage. If you use your car for business, then your personal auto insurance will not cover any claims.

What kind of small businesses might require General Liability Insurance Pennsylvania?

It covers a wide range of accidents, including slip and fall injuries as well as property damages. Most businesses can benefit from it, including bakeries, clothing shops and housecleaners.
For professions that involve a greater level of physical risk like auto bodies you will need a higher liability coverage. In some Pennsylvania cities, obtaining a license or permit for a company may require that it purchase general liability Insurance PA coverage. You may need to carry Pennsylvania General Liability as well as Liquor liability coverage in order to obtain a liquor license. To get a contractor’s license in Philadelphia, you will need a general liability insurance PA policy.

Comprehensive General Liability Insurance Quote PA

To obtain a comprehensive general liability insurance quote from InsureDirect, you can follow a straightforward process. InsureDirect, in collaboration with Combined Insurance Group, offers tailored general liability insurance policies designed to meet the diverse needs of businesses of all sizes.

Beyond standard general liability insurance, Insure Direct offers additional policies such as professional liability insurance, workers’ compensation insurance, and commercial vehicle insurance. These options allow businesses to create a comprehensive insurance package that covers all potential liabilities. 

Get an Insurance Quote for General Liability in PA

Comparing multiple quotes is the best way to locate general liability insurance. Get a quote today. Since over 200 years, we have helped small business owners get the liability and commercial property coverage they require. Our expertise and quality customer service are also well-known. You can also get help from our specialists to understand any conditions, limitations or terms of your policy.