Business insurance
Business Insurance That Works the Way You Do
Pennsylvania law sets real requirements for business insurance — workers comp before you hire, general liability before most commercial contracts, commercial auto the moment a vehicle is used for work.
Anthony Acri Insurance Agency helps PA businesses meet those requirements and build coverage that actually fits how they operate, not just what's easiest to quote.
Workers Compensation Insurance
Pennsylvania requires workers comp for nearly all employers with one or more employees. We shop rates by industry class code across multiple carriers and issue same-day COIs for businesses that need proof before a job starts.
General Liability Insurance
Most commercial contracts, project bids, and PA trade licenses require proof of GL before work begins. We compare rates across carriers and issue same-day certificates when you're up against a deadline.
Commercial Auto Insurance
Using a vehicle for work in Pennsylvania means your personal auto policy doesn't apply. We cover business vehicles of all types — cargo vans, box trucks, fleets, food trucks, and more — with same-day quotes and COI issuance.
Property & Business Essentials
Protect your physical space, income, and essential operations from loss or interruption.
Covers:
- Builders risk
- Commercial
- Property
- Garage keepers
- Business interruption
Trades, Services & Skilled Professions
We cover contractors, house cleaners, landscapers, and every hands-on pro in between.
Covers:
- Liability
- Tools
- Trucks
- Flexible seasonal coverage options
Industry-Focused Insurance
From tattoo shops to microbreweries, we understand niche industry needs.
Covers:
- Daycare
- Nonprofit
- Tattoo
- Microbrewery
- Specialty shop insurance
Professional Risk & Liability
Mistakes happen—these policies help protect your reputation and bottom line.
Covers:
- E&O
- General liability
- D&O
- Cyber
- EPLI insurance
Surety & Financial Guarantees
Need a bond for licensing, permitting, or contracts? We make it easy.
Covers:
- Surety bonds
- Dealer bonds
- License compliance bonds
Why Pennsylvania Business Owners Work With Us
- Same-day quotes and certificates: When a job site requires proof of coverage by Friday, turnaround matters. We issue COIs across workers comp, GL, and commercial auto — often the same day.
- Independent access to multiple carriers: We're not tied to one company's rates or products. We compare options across the market and place your coverage where it's most competitive for your industry and payroll.
- PA compliance knowledge built in: Pennsylvania has specific requirements for workers comp, contractor licensing, and commercial auto. We flag what's required for your business type before you ask.
- A real agent, not a call center:
You reach the same person who quoted your policy. That matters when you need a certificate quickly or have a question about a claim.
Common Questions About Business Insurance in Pennsylvania
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What business insurance is required by law in Pennsylvania?
Pennsylvania requires workers compensation insurance for virtually all employers with one or more employees — including part-time and seasonal workers in most cases. Commercial auto insurance is required any time a vehicle is used primarily for business purposes, regardless of who owns it. General liability is not universally mandated by state law, but it is required by most commercial contracts, job site agreements, and trade license applications. If you're not sure what applies to your business type, contact us and we'll walk through it with you.
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Do I need general liability insurance as a contractor in Pennsylvania?
In most cases, yes — for two reasons. Pennsylvania's Home Improvement Consumer Protection Act requires registered home improvement contractors to carry GL coverage. And even where it's not legally required, general contractors and commercial clients typically require proof of GL before allowing subcontractors on a job site. If you're bidding commercial work, expect to show a certificate of insurance before you start.
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How does workers comp work for small businesses in Pennsylvania?
Workers comp requirements in Pennsylvania kick in as soon as you have one employee on payroll. Premiums are calculated based on your industry class code, total payroll, and claims history — which is why rates vary significantly across industries. As an independent agency, we compare rates across multiple carriers by your specific class code, rather than defaulting to one carrier's pricing.
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What's the difference between general liability and professional liability insurance?
General liability covers physical risks — third-party bodily injury, property damage, completed operations, and advertising injury. Professional liability(also called errors and omissions, or E&O) covers financial claims tied to your professional services or advice. Many businesses need both, but they're separate policies covering separate exposures. We explain what each covers before you commit to anything.
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Can I bundle business insurance policies to save money?
Often, yes. Common combinations include commercial auto paired with workers comp and GL, or a business owner's policy (BOP) that bundles GL with commercial property coverage. As an independent agency, we compare bundled options across carriers and flag where combining policies reduces your overall premium without creating coverage gaps.