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From a two-person shop to a fifty-employee operation, this page maps the coverage your business actually needs and routes you to the details.
Start here
Most Pennsylvania small businesses need three things: general liability for third-party injuries and property damage, workers compensation from the first employee, and property coverage for whatever the business owns. Around Drexel Hill, we build that core first, then add only what your operation genuinely requires.
Everything past the core depends on how the business works. Vehicles used for work need commercial auto. Client data needs cyber coverage. Employees mean employment practices exposure. A storefront, a contract, or a landlord’s certificate demand can each pull one more coverage into the stack.
This page is deliberately short. Each coverage below has its own page that goes deep, and the honest way to use this one is to find your situation and follow the link.
The eight coverages
Every card links to a full page: what it covers, what it costs, what it excludes.
The foundational coverage: third-party injury, property damage, and the certificates clients and landlords request.
Learn more →Required in Pennsylvania from your first employee, with criminal penalties for going without.
Learn more →General liability, commercial property, and business income bundled, usually for less than buying separately.
Learn more →Buildings, equipment, inventory, and the income a loss interrupts while you rebuild.
Learn more →Owned, leased, and employee-driven vehicles used for work, where personal policies stop covering you.
Learn more →Breach response, ransomware, and Pennsylvania’s notification duties when customer data leaks.
Learn more →Wrongful termination, discrimination, and harassment claims, including the defence costs that arrive with them.
Learn more →Tell us what the business does. We will map the exposures and quote only what fits.
Learn more →Cost
It depends on which coverages your operation needs, and each carries its own price logic: general liability runs on revenue and trade, workers comp on payroll and class codes, property on values and construction. Published small-business averages for general liability alone run roughly $45 to $123 a month across major sources.
The honest cost answer lives on the individual coverage pages, where we cite sources and their assumptions. What we can say at this level: a modest service business often insures its whole core for less than owners fear, and the businesses that overpay are usually the ones that never had the stack quoted as a package.
GL cost range sources: Insureon ($45/mo average), Progressive Commercial ($79/mo, new customers), MoneyGeek ($123/mo, 1–4 employees at $1M/$2M limits). Retrieved August 2026.
Coverage by business type
Trades and contractors. General liability with certificates for every job, commercial auto for the trucks, workers comp for the crew, and inland marine for tools when the trailer is worth more than the office.
Shops and restaurants. A business owners policy carrying the storefront, the equipment, and the liability, with workers comp beside it and cyber if cards are processed.
Offices and professionals. A lean BOP, cyber liability for client records, employment practices coverage once hiring starts, and commercial auto only if vehicles genuinely work for the firm.
Landlords with portfolios. Property owners who cross from a few rentals into a genuine operation move from dwelling policies into commercial packages, and the crossover point is worth a conversation.
Home-based and side businesses. The most underinsured category we see. Homeowners policies exclude most business activity, so the espresso cart, the e-commerce inventory in the basement, and the weekend photography operation each need their own thin, inexpensive layer rather than the false comfort of the house policy.
Nonprofits and clubs. Boards carry personal exposure their volunteers rarely think about, and the mix of events, premises, and donated vehicles calls for the same mapping exercise with a different vocabulary.
These patterns hold across insurance across Delaware County, but no two operations map identically, which is why the quote starts with what the business does all day rather than with a form.
Why independent
Commercial underwriting is opinionated. The same restaurant, contractor, or office gets priced differently carrier to carrier, and appetite for whole industries opens and closes year to year. An agency appointed with several carriers can move your account when the market moves, which is the difference between shopping once and being shopped for continuously.
We also keep the certificates flowing. When a client, landlord, or GC asks for proof of coverage with their name endorsed on it, that paperwork is our job, same day, because a certificate that arrives late costs you the contract it was supposed to win.
Questions
One conversation, the whole stack quoted across carriers, and certificates whenever you need them.
Get a QuoteCall (610) 259-6700