When you are a business owner in Pennsylvania, there are specific insurance policies you may have to have by law. There are two different types of required commercial insurance that you need to have if you meet certain conditions set forth by the state. There are also several other commercial policy types that you might want to get to protect your business. Call us now at Options Insurance Agency in Hershey, PA to get the insurance you need.
Commercial Auto Insurance
If your business uses one or more vehicles, they have to be protected with a commercial auto policy. This insurance provides a lot of protection against costs after an accident caused by your vehicle. This policy has to have a few types of coverage to be legal, and your business may also benefit from other types of coverage that aren’t required. The required coverages in your auto policy include bodily injury liability in two amounts, an amount for property damage liability and another amount for medical benefits. You can also add collision insurance to pay for your vehicle’s damages after an accident.
Workers’ Compensation Insurance
If you have employees at your business, you must have workers’ comp insurance to cover them. This insurance pays for their medical bills and any necessary disability payments. Your business must have this coverage even if you have only one employee. This insurance must cover any employee working part-time, full-time, or seasonally. It offers strong protection for your business if any employee becomes injured.
Cover Your Business
Call us today at Options Insurance Agency in Hershey, PA when you need your commercial insurance policies.