INSURANCE SERVICES

Coverage for the Core of  Your Business

Your space, your gear, your ability to keep operating—this is what Property & Essentials Insurance is all about. We help you protect what keeps your business running.

What’s We Cover

Your Business Is Built on More Than Just Tools

We protect everything from your physical structure to the income it generates—with smart, clear coverage made for Pennsylvania businesses.

  • Builders Risk Insurance

    Designed for construction projects, this policy covers tools, materials, and unfinished structures. Ideal for general contractors and developers.

  • Business Interruption Insurance

    When disaster hits, your bills don’t stop. This helps replace lost income due to a covered shutdown—like fire, water damage, or theft.

  • Business Owners Policy (BOP)

    A convenient package that bundles general liability and property coverage into one streamlined policy—great for smaller businesses and retail operations.

  • Commercial Property Insurance

    Protects your building, equipment, signage, and inventory from damage or theft—whether you own or lease your space.

  • Garage Keepers Insurance

    Essential for auto shops, tow services, and service centers, this covers customer vehicles while in your care.

Why It Matters

You’ve Got a Lot Riding on Your Property & Equipment

Buildings, tools, parts, inventory—it all costs money, and downtime hurts. With the right property coverage, you can recover faster and keep clients on your schedule, not the insurance company’s.

  • Coverage that grows with your business
  • Bundled options to simplify renewals & billing
  • Claim support when you need it—fast and local

Additional Options to Consider:

  • General Liability Insurance
  • Workers Compensation
  • Fleet Bundles
  • Business Income + Equipment Breakdown Coverage
A brick chimney is visible through the leaves of a tree in front of a building.
Frequently Asked Questions

Property & Business Essentials Insurance

  • Do I need commercial property insurance if I lease my space?

    Yes—your lease likely requires it, and your landlord's policy won’t cover your equipment, signage, or client property.

  • What’s the difference between a BOP and standalone policies?

    A Business Owners Policy combines general liability and property into one, which can save time and money if both apply to your business.

  • What is builders risk insurance and who needs it?

    It covers active construction projects. If you’re building from the ground up or making structural changes, it’s essential protection.

  • Is garage keepers insurance required by law?

    Not always, but it’s a must-have for businesses storing or servicing client vehicles—especially if you want to avoid major financial risk.

  • Can I bundle property insurance with other policies?

    Absolutely. We frequently bundle it with liability, fleet, and workers comp to create more comprehensive and affordable protection.