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Commercial Insurance in Pennsylvania

Name: Bethlehem Truck LLC
Address: 2116 Coke Works Rd, Bethlehem, PA, 18015
Telephone: 484-550-7070

Commercial insurance is essential for all business owners. It keeps your employees safe and protects your assets and business property. We offer business insurance here at Bethlehem Truck LLC in Bethlehem, PA. Our policies can be customized to ensure the needs of your business are met.

Commercial Insurance Requirements

Workers’ compensation is required by all businesses in the state of Pennsylvania regardless of their work status. Workers’ compensation covers employees’ medical bills and other work-related illnesses and injuries if they are hurt at work.

Commercial auto insurance is also required in the state of Pennsylvania. The following liability limits are required by law:

Bodily injury liability coverage for $15,000 for each person and $30,000 for each accident
Property damage liability coverage for $5,000 for each accident
Medical benefits for $5,000

Commercial Insurance Coverage

Commercial insurance covers all of the following:

General liability: General liability covers personal and advertising injuries. It may be required as a part of your business lease, as it is critical for all businesses to have.
Business owner’s policy: This policy combines both general liability and commercial property coverage. It is essential for slip and fall injuries and more.
Professional liability: Also known as errors and omissions coverage, professional liability keeps your business safe if you provide professional advice or other services.
Cyber protection: This protects your business against cyberattacks and data breaches. You should also consider adding this coverage if your business provides data breach investigations or fraud monitoring services,
Property coverage: This keeps the actual structure of your business protected, in addition to furniture, equipment, and inventory. If they become damaged by a fire or weather, this will cover you.