Pennsylvania Business Insurance

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Small business insurance in Pennsylvania

Business owners in the Keystone State should consider small business insurance to help prepare for whatever comes their way. With a customized policy, you can keep your company moving forward, even when the unexpected happens.

According to the Small Business Administration (SBA), there are 1.2 million small businesses in Pennsylvania, accounting for 99.6% of all companies in the state. Together, they employ 2.5 million people. Entrepreneurs are the heart of the state's economy. If you're one of them, protecting your company is worth it.

Ready to explore your options? Get a quote for Pennsylvania business insurance through Progressive Commercial. You can choose from a variety of coverages, including general liability, workers' comp, professional liability, and more.

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Types of PA business insurance

General liability

General liability insurance in PA is the most common type of business coverage. Small companies should have general liability insurance to protect against third-party bodily injury, property damage, and personal and advertising injury.

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Commercial auto

Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don't cover vehicles used for work, which includes transporting supplies or traveling between job sites.

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Workers' compensation

Businesses in Pennsylvania are required to have workers' comp insurance if they have employees. This coverage helps pay for expenses related to on-the-job injuries and illnesses.

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Business owners policy (BOP)

A BOP packages liability and property coverage into one easy-to-manage policy. It's a great option for small to medium-sized businesses that rent or own commercial buildings or have business property like tools, furniture, and equipment.

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Professional liability

Pennsylvania businesses that offer professional services should consider this coverage. Also known as errors and omissions insurance (E&O), professional liability protects companies from claims of negligence and helps pay for legal costs.

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Cyber

This coverage protects against incidents like data breaches and cyber attacks. Cyber insurance includes first and third-party protection for things like investigative services, data recovery, and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does Pennsylvania business insurance cost?

In 2024, the national median cost of business insurance for new Progressive Commercial customers ranged from $42 per month for professional liability to $80 per month for workers' comp.

Your cost for business insurance in Pennsylvania will vary, depending on several factors, including industry, coverage needs, size, and location. For example, business insurance in Philadelphia will likely have higher rates than a less populated city like Erie.

Your profession will have the biggest impact on your rate. For example, tree trimmers usually work with heavy equipment high off the ground, where lawn care specialists typically work with tools at ground level. Because tree trimmers are exposed to greater risk, they can expect to pay more for coverage.

Learn more about what determines business insurance cost and start an online quote to find out what you'll pay.

Pennsylvania business insurance requirements

Workers' compensation in Pennsylvania is usually a business insurance requirement. You'll probably need it if you have one or more full or part-time employees. Executive officers and domestic workers are usually exempt. However, it's best to check with the state on the legal requirements for your unique situation.

Even the best run companies can face challenges. In 2023, the Bureau of Labor Statistics reported 115,200 non-fatal workplace injuries and illnesses in Pennsylvania. With the right coverage, you can support your employees and minimize downtime.

Workers' comp is a key part of that plan. You can purchase a policy through a private carrier like Progressive Commercial or the state insurance fund. Depending on your business size, you can also choose to apply for self-insurance.

Some coverages, like general liability and a BOP, aren't legally required in Pennsylvania. However, you might need them before entering a contract with a landlord or prospective client.

Explore more essential business insurance resources.

Resources for Pennsylvania small business owners:

Business Insurance Resources (Pennsylvania Insurance Department)
Workers' Compensation in Pennsylvania (PA Department of Labor & Industry)
Workers' Comp Guide (Pennsylvania Insurance Department)
2025 Pennsylvania Small Business Profile (U.S. Small Business Administration)
2023 Pennsylvania Workplace Injury Data (U.S. Bureau of Labor Statistics)

Pennsylvania professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse other professions we insure.

Why choose Progressive Commercial

Options

We can help you find a business insurance policy, no matter what stage you're in. Our agents will help you get flexible protection that meets your needs and budget.

Experts

As America's #1 commercial auto insurer,^* you can trust Progressive Commercial with your business insurance needs. Our team of experts can assist you every step of the way to make sure you're getting the right coverage.

Convenience

You can get a quote easily and quickly, whether you need a single Pennsylvania business insurance policy or a combination of coverages. Start a quote online or call us to speak with an agent.