Protecting Your Business

We learn how your business operates, identify meaningful exposures and structure coverage around the risks that matter. Then we compare carriers on a meaningful basis.

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Specializing in Working With

Industries We Know Well

Every industry has different exposures, contracts, people and operations. If yours is here, start with its page. If it isn't, we work with many other local businesses too.

Contractors

Trades and construction, from one truck to a full crew: subcontractors, equipment, vehicles and completed work.

Human Services Nonprofits

Organizations protecting the people who serve others.

Restaurants & Hospitality

Employees, guests, property, food, alcohol and constant activity.

Coverage Options

Business Coverage We Can Put Together for You

Most businesses need a combination of these. Which ones, and how they're structured, depends on your operations, contracts and goals.

Liability

General Liability Injuries or property damage to others from your operations, premises or completed work.
Professional Liability (E&O) Claims arising from advice, design or professional services.
Product Liability Claims tied to products you make, sell or distribute.
Liquor Liability For businesses that serve, sell or furnish alcohol.
Commercial Umbrella Extra liability limits above your primary policies.

Property & Equipment

Commercial Property Buildings, contents, inventory and improvements.
Business Owners Policy (BOP) Property and liability packaged for eligible smaller businesses.
Business Interruption Lost income after a covered property loss.
Inland Marine & Contractor's Equipment Tools and equipment that move between locations.
Equipment Breakdown Mechanical and electrical breakdown of systems and machinery.
Builder's Risk Buildings under construction or renovation.

Your People

Workers' Compensation Employee injuries and illnesses on the job.
Employment Practices Liability (EPLI) Claims such as discrimination, harassment or wrongful termination.
Crime & Fidelity Theft, fraud and employee dishonesty.

Vehicles

Commercial Auto Vehicles your business owns or leases.
Hired & Non-Owned Auto Rented vehicles and employees driving their own cars for work.
Trucking Coverage for trucking operations.
Garage Keepers Customers' vehicles in your care.

Management & Specialty

Directors & Officers (D&O) Decisions made by leadership and boards.
Cyber Liability Data breaches, ransomware and network incidents.
Environmental & Pollution Liability Pollution claims a general liability policy may exclude.
Special Events One-time events and gatherings.

Bonds

Surety Bonds License, permit, contract and other bonds required by customers or authorities.

Coverage Before Price

Having a policy and being properly insured aren't the same thing.

Before we compare carriers, we learn how your business actually works: your contracts, your people, your vehicles and the work you leave behind. Then we design the coverage and compare options on a meaningful basis.

See How We Work

Helpful to Have for a Quote

A description of what your business does
Estimated annual revenue and payroll
Number of employees and locations
Vehicles and drivers, if any
Current policies or declarations pages
Contracts with insurance requirements
Claims history (loss runs), if available

Don't have everything? That's fine. We'll walk you through it.

Questions

Business Insurance FAQ

Why work with an independent agency?

We represent multiple insurance companies, so we can compare coverage and pricing across carriers rather than offering a single company's products.

Is the cheapest quote usually good enough?

Sometimes. But a lower premium can come from narrower coverage, such as an exclusion, a sublimit or a different job classification. We show you what's different so you can decide with the full picture.

Do you work with businesses outside Pennsylvania?

We're based in Phoenixville and licensed in Pennsylvania, New Jersey, Delaware, Maryland, Ohio, Indiana, South Carolina, Georgia, Florida and Nevada.

Can you help with certificates of insurance?

Yes. We issue certificates for our clients and can review a customer's or general contractor's insurance requirements against your policy before you sign.

Let's talk about what you're protecting.

Book a time with an agent, or call and talk it through.

Request a Quote Book an Appointment Call 484-928-0092