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Get Small Business Insurance in Pennsylvania

biBerk is trusted by many companies for small business insurance in Pennsylvania. We offer flexible policies to protect you from the many types of risk Pennsylvania businesses face. Learn more about obtaining business insurance in PA.

Pennsylvania Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We provide tailored workers’ comp insurance in Pennsylvania to suit your business.

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Pennsylvania General Liability Insurance

Most companies need general liability insurance in Pennsylvania. Also known as commercial liability insurance, this policy is essential. It covers damages and legal costs associated with injury claims to customers and other people you don't employ (like from slip-and-fall accidents at your business location), medical costs associated with these incidents, and damage to other people's property that was caused by your business. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your general liability insurance in PA, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Pennsylvania Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Pennsylvania Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, professional liability insurance in Pennsylvania could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Imagine you’re an IT consultant and you advise a client to purchase a certain type of equipment. If you specify the wrong items and they sue you for the resulting financial damages they suffer, your professional liability policy may protect you. You should consider Pennsylvania professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Pennsylvania Cyber Insurance

This type of small business insurance in Pennsylvania can be purchased as an add-on to a BOP, general liability, or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Pennsylvania Umbrella Insurance

When buying Pennsylvania liability insurance, every policy has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBerk liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend umbrella insurance in Pennsylvania to protect your company.

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We Cover all Kinds of Professionals and Businesses in Pennsylvania, Including:

  • Alarm and sound system installers
  • Auto service shops and garages
  • Barbershops
  • Bars, taverns, and nightclubs
  • Bus operations
  • Cabinet installation services
  • Carpentry services
  • Caterers
  • Commercial building owners
  • Commercial carpentry services
  • Convalescent homes
  • Electrical contractors
  • Fast food restaurants
  • Flat cement installation
  • Furniture moving and storage
  • Heating and air companies
  • Home furnishing moving
  • Home health care companies
  • Insurance companies
  • Iron installation and repair
  • Landscape contractors
  • Masons
  • Nursing homes
  • Painters and decorators
  • Paratransit services
  • Parcel delivery companies
  • Plumbers
  • Rehabilitation hospitals
  • Residential carpentry services
  • Residential interior cleaning
  • Restaurants
  • Retail stores
  • Salespeople
  • Security/detective agencies
  • Social rehab facilities
  • Tree pruning services
  • Trucking companies
  • Wallboard installers services
  • Wholesale stores

Who Purchases Business Insurance in Pennsylvania?

biBerk works with many types of Pennsylvania business owners.


Entrepreneurs who are starting a business rely on us for comprehensive yet affordable financial protection from lawsuits, losses, and employee injuries. They appreciate the expert insights provided by our licensed insurance professionals regarding the policies they need, limits they should select, and other aspects of their insurance coverage. Knowing biBerk has their back gives them tremendous confidence as they pursue their dream of business ownership. 

Owners of established businesses

Owners of established businesses recognize the importance of attentive service, as many have purchased coverage or have had to file claims in the past. We help them keep their insurance portfolio aligned with their business operations.  

Self-employed people and freelancers

Another group that relies on advice and insurance products from biBerk is self-employed people and freelancers. They often have tight budgets and unique insurance needs, making our affordable and customizable policies ideal for them. They’re also busy people who appreciate how we make it convenient to get quotes, purchase coverage, and manage policies—all online.  

Why biBerk for Small Business Insurance in Pennsylvania?

We’re the experts when it comes to business insurance in PA.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Pennsylvania Business Owner

Why is biBerk Better for Small Business Insurance?

We’re often less expensive and easier to do business with than other business insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Small Business Insurance in Pennsylvania—Wherever You Are!

Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:

  • Business insurance in Pittsburgh, PA
  • Business insurance in Allentown, PA
  • Business insurance in Philadelphia, PA
  • Business insurance in Scranton, PA
  • Business insurance in Bethlehem, PA
  • Business insurance in State College, PA
  • Or anywhere in Pennsylvania!

What do biBerk Customers Say?

What Coverage is Required for Pennsylvania Small Businesses?

Workers' Compensation

In Pennsylvania, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Pennsylvania without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk, including a property and liability policy if you’re located in an area that faces possible hurricane damage. Financially protecting your company is one of the smartest business decisions you can make.

What Does Business Insurance Cost in Pennsylvania?

The cost of small business insurance in Pennsylvania depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Determine your cost for liability insurance in Pennsylvania with instant online quotes.

Frequently Asked Questions About Small Business Insurance in Pennsylvania

  • What types of insurance are required for small businesses in Pennsylvania?


    In Pennsylvania, business insurance requirements vary depending on factors like the size and nature of your business. However, some common types of insurance include general liability insurance, workers' compensation insurance (mandatory for most employers), and commercial auto insurance (if you have business-owned or business-leased vehicles).

  • Is business insurance mandatory for all businesses in Pennsylvania, regardless of size?


    Yes, Pennsylvania requires most businesses with one or more employees, including both part-time and full-time employees, to carry certain types of insurance. Even if you're a sole proprietor, it's wise to consider business insurance to protect yourself and your business assets.

  • What is the average cost of small business insurance in Pennsylvania?


    The cost of commercial  insurance in Pennsylvania varies depending on factors such as the type of coverage, coverage limits, deductibles, industry, business size, and location. However, typically you can get hundreds of thousands of dollars in coverage for as little as hundreds annually.

  • How can I find affordable small business insurance options in Pennsylvania?


    biBerk offers the insurance policies that most companies need at up to 20% less than other providers. That’s because of our direct-to-you approach to business insurance. There are no services from brokers or other intermediaries that can increase the cost of coverage.

  • Can I customize my commercial insurance in Pennsylvania?


    Yes, biBerk offers customizable coverage options that allow you to tailor your insurance policy to meet your specific business needs. You can work with one of our licensed insurance experts to select the coverage options and limits that best protect your business.

Commercial Insurance in Pennsylvania in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBerk for small business insurance in Pennsylvania and save up to 20%.