Kathyi@smokercpa.com Phone: 717-271-4900

Insurance for Businesses in PA

As a business owner there are lots of elements to cover in case those worst case scenarios become realities.  Employees and the materials used to make the business run should be covered to the fullest for when the unthinkable happens. We make sure every aspect of the business is covered just the way you want depending on your needs and concerns. Each business is run differently, therefore each insurance should be tailored to the uniqueness of each establishment. For every aspect of your business there will be security and worry-free protection. Here are some of the different coverage we offer for any type of business. The companies we work with may even be able to bundle more than one of these coverage into a single policy.

Commercial Automotive
Policies that protect against liability with automobiles used within a business. This includes owned, rented, and hired vehicles. Policy covers cars, trucks, vans, tractors, and trailers. You may also add protection against damage to vehicles as well.
Commercial Liability
Coverage and defense for liabilities that correlate with risks in running your commercial business. Because businesses have different risks your policy will be customized for your needs.
Commercial Property
This policy covers business structures and the possessions inside. There is a range from specialized named-perils policies to expansive all-risk policies.
Directors & Officers Liability
Protects the directors and officers in a business from liability against damages and defense costs due to civil claims, claims of negligence, and of error and/or omissions.
Employment Practices Liability
This policy covers defense costs and liability resulting from unwarranted employment actions, sexual harassment, and discrimination.
Home Based Business
Home business claims are not always covered under homeowner insurance. This can mean a huge loss of income and business if you work from home. Check and see if this is an insurance you need.
Inland Marine
Protects your businesses hardware and belongings while off business property.
Liquor Liability Insurance
Liquor being consumed can cause unruly behaviors that can lead to lawsuits and claims against your business. Be protected by this policy especially if your business serves alcohol.
Ordinance or Law Coverage Professional Liability
This policy covers expenses needed to keep up with building ordinance codes. As building codes change quite frequently, having coverage for these sometimes expensive changes gives your business some piece of mind.
Restaurant Insurance
With a fast paced restaurant business there is a lot that can go wrong while working with hot food, alcohol, and slippery kitchen floors. From equipment breaking down to employees and customers getting hurt be sure you are protected with a reliable policy.
Special Event Coverage
Short-term event liability coverage for outside parties.
Umbrella and Excess Liability
This is extra protection insurance covers more broadly than specific policies. This protects your business from major claims and lawsuits against your business. This will protect your assets which creates a brighter business future.
Workers' Compensation
Helps cover injured workers by supporting safeguard through employer’s liability coverage. This coverage will be customized to your states regulations.