There are two types of commercial coverage that are required of most businesses. If you don’t have these commercial insurance policies, you can face fines and fees as well as legal problems. It’s important to have these policies in place if they are required for your business. Give us a call at Affinity Insurance Partners in Pittsburgh, PA.
Commercial Auto Coverage
That state of Pennsylvania requires that all vehicles that are owned by a business must be covered with a commercial auto policy. There are a number of types of coverage that you have to have in your policy, and each has its own required minimum amount. There is an amount required to pay for the medical bills of one person who gets into an accident that you were at fault for. There is another minimum amount that is required for everyone who is injured in that accident. The state also requires you to have a set minimum for property damage liability and another amount for medical benefits. All of these amounts are quite low when compared to other states, and they may not be enough to protect you in a serious accident. Though you have to have at least the minimum amount, you can add to the amount you have so that you’re better protected.
Workers’ Compensation Coverage
This type of insurance coverage is there to pay for medical bills after someone you employee gets into an accident at work. The law in Pennsylvania makes it mandatory to have this insurance no matter how many employees you have. They can be part-time, full-time or even seasonal workers, and you are required to keep this coverage. This insurance protection keeps your company from having to come up with enough to pay medical bills if there is an accident.
Get Your Commercial Policies
If your business is required to have one or both of these insurance types, call us at Affinity Insurance Partners in Pittsburgh, PA.