If you are a business owner in Pennsylvania, there are a number of insurance policies that you should have to protect both yourself and your business. There are two types that may be required for you, and there are many other types that aren’t mandated but are helpful. These include cyber insurance, business owners’ insurance, premises liability, and more. When you need the right insurance to cover your business, call us at RH Worthington Group in Milford, PA.

The Commercial Insurance You Need

Workers’ Compensation Insurance

This type of commercial insurance covers your employees in case they contract a work-related illness or have an accident while on the job. When either of these happens, you will be liable for their medical bills and other expenses, including their legal costs. You may even have to pay them disability payments after the accident. When you have workers’ compensation insurance, the policy will cover those expenses to save your business from owing them. This is required in Pennsylvania no matter how many employees you have, how often they work, etc. It’s even required for seasonal employees. Make sure you have this coverage in place at all times to comply with the law as well as to stay protected. 

Commercial Auto Insurance

When your Pennsylvania business owns one or more vehicles, each of them has to be covered by a commercial auto policy. This is extremely helpful for managing your liability risk. There are several types and amounts of coverage that has to be in the policy, but you can add more coverage if you choose. The amounts of coverage that are required are very low, so it’s generally recommended that business owners increase those amounts to having better protection against serious accidents.

Get Coverage For Your Business

If you need commercial insurance policies to better protect your business, give us a call today at RH Worthington Group in Milford, PA.