Commercial Insurance in Pennsylvania
Starting a new business is a daunting task. Between legal filings with the state of Pennsylvania to start your enterprise, to establishing a clientele and marketing, it is easy to overlook your insurance needs at launch. Even if you are self-employed with a home-based business, you need to review your coverage and explore new policies. At Patrick McNealis Insurance and Financial Group, we are ready to help craft policies for residents in and around Shavertown, PA, Emmaus, PA, and Bethlehem, PA. Our agents are ready to review your business information and suggest ways to enhance your existing coverage or establish new coverage.
What do I need to consider for business insurance?
Commercial insurance features many components ranging from business liability coverage to worker's compensation policies and company-sponsored health insurance. Your needs will vary based on the size of your business and the nature of the enterprise. For example, a cleaning company with a small fleet of vehicles may need to spend more time reviewing commercial auto insurance while a store needs to focus on liability coverage.
What about a home-based business? Do I need to worry about insurance?
If you are self-employed from a home office, there are still insurance options you should explore to improve your financial security. For example, a freelance writer may find value in investing in commercial liability policies that apply to claims of libel. A Pennsylvania woodworker with a home shop who welcomes customers for order pickup may also want additional liability coverage in the event a customer falls or is injured while in the shop.
A traditional homeowner's policy does not cover liability to the level you would be exposed to in a professional capacity. It also does not provide access to other important protections, such as loss of income after a fire or natural disaster.
To ensure you are properly protected in all situations your business will encounter, contact the Patrick McNealis Insurance and Financial Group. We are ready to accept new customers at our locations in Shavertown, PA, Emmaus, PA, and Bethlehem, PA. Call or stop by today to learn more.