General Liability Insurance in PA

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Basic Protection for Your Pennsylvania Business

General liability insurance is also known as business liability insurance and commercial general liability insurance. It can help protect your business from claims of bodily injury or property damage. Without liability coverage, you’ll have to pay these claims out of pocket.
Small businesses help drive the economy in Pennsylvania. In fact, there are 1.1 million small businesses in the state employing 2.5 million people.1 To make sure your small business is protected, you’ll want the right small business insurance. You can find the best general liability insurance in PA at the right price by comparing quotes from multiple insurance carriers. To get started, obtener una cotización from us today. 

Who Needs General Liability Insurance in PA?

business liability insurance paDepending on your industry, you may want to customize your business liability insurance in PA. Some common small businesses that need general liability insurance in PA include:
  • Contratistas
  • Landscapers
  • Restaurants
  • Bakeries
  • Hair salons
  • Manufactures
  • Cleaning services
  • Consultants

Is General Liability Insurance Required in PA?

General liability insurance isn’t required for Pennsylvania businesses, but it is recommended. Without it, you’ll have to pay out of pocket to cover claims of bodily injury and property damage. However, most commercial leases require this coverage.
The state of Pennsylvania also requires that you have workers’ compensation insuranceel seguro comercial para automóviles protection. Many business owners need hired and non-owned auto coverage, which helps cover vehicles used for work that are rented, leased or borrowed. It’s also important to remember that your commercial auto coverage is separate from your personal auto coverage. Your personal auto coverage won’t cover claims if you used your vehicle for business.

Does Your Small Business Need General Liability Insurance?

General liability insurance is important for Pennsylvania businesses because it helps protect you from:
  • Customer injuries
  • Property damage caused by you or your employees
  • Reputational harm like libel
  • Advertising injuries like copyright infringement
  • Damage to rented property
To learn more about general liability insurance in PA, obtener una cotización today. We’re an insurance company that’s been helping companies get the small business insurance they need at the right price for over 200 years.

How Much Does General Liability Insurance Cost in Pennsylvania?

Our small business customers in Pennsylvania paid an average annual premium of $885 for general liability insurance, or about $74 a month.* However, the amount you pay for insurance protection can vary, depending on factors like your:
  • Lugar
  • Number of employees
  • Building condition
  • Policy details, like coverage limits and deductibles
  • Insurance claims history
To learn more about general liability insurance, obtener una cotización from us today. We can also help you get additional coverages like professional liability insurance or workers’ compensation insurance. Once you have your coverages, you can also get a certificate of insurance. Many customers require these before they’ll work with you.

General Liability Insurance for All Pennsylvania Cities

We provide coverage for Pennsylvania businesses across the state, including in cities like: 
  • Philadelphia
  • Pittsburgh
  • Scranton
  • Allentown
  • Reading
  • Harrisburg
  • Lancaster
  • Erie
  • Levittown
  • Bethlehem

Get a Quote for General Liability Insurance in PA

The best way to find general liability insurance is to get multiple insurance quotes and compare them. To get started, obtener una cotización from us. We’re an insurance company that’s helped small businesses get the commercial property and liability coverage they need for over 200 years. We’re also known for our quality customer service and expertise in insurance products. Our specialists can also help guide you through any terms, conditions or limits to your policies.
Last Updated: November 28, 2023
1 Small Business Administration (SBA), “2021 Small Business Profile”
* Premium amounts presented are based on monthly premium paid by The Hartford’s Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.