Commercial Insurance in Pennsylvania
Small businesses are at risk of all kinds of perils ranging from theft and vandalism to disaster damage. That’s why you need commercial insurance. Commercial coverage from Affinity Insurance Partners protects your business against risks that can drain your business assets. Here’s how commercial insurance works to keep your Pittsburgh, PA business safe from financial loss.
Property insurance protects your business building, i.e. office, shop or warehouse, against fire, storm, vandalism, or disaster damage. It also covers your business equipment, furniture, and inventory. If your building or goods are damaged (or destroyed) by fire, winter storm, or other covered peril, this coverage can help you recuperate your losses. You never realize how much your business investments are worth until they’re gone. Purchasing commercial property insurance could be one of the smartest business decisions you ever make.
If you receive customers to your business site, there’s always the risk of someone having an accident on your property that requires medical care. A simple slip and fall can result in a sprained ankle or back injury. As a business owner, you would be responsible for medical costs. General liability insurance protects you against such accidents by covering these costs. It also covers lost wages if the individual can’t work due to his injury, and rehab, if needed, for full recuperation of his injury.
If your Pittsburgh, PA business is severely damaged in a disaster, you may need to close up shop temporarily for repairs. This will cut into your bottom line. Business interruption covers lost revenue, payroll, and other essential business expenses during this time to help with your recovery.
Workers comp is required for Pennsylvania businesses with one or more full or part-time employees. This insurance protects your workers against injuries on the job, which could save you from being sued for damages.
To purchase a commercial policy for your Pennsylvania business, contact Affinity Insurance Partners today.