Commercial Insurance in Pennsylvania

Insurance coverage for your business — so you can get back to work. Serving Reading and all of Pennsylvania.

Berks County Insurance Group, Inc. understands the needs of businesses in our community — you can find our offices in Reading, and our clients all around Pennsylvania.

As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.

We’re proud members of the Reading marketplace, and we’re committed to being an advocate for you and your business in times of need.

To talk with one of our helpful team members about your business insurance needs, contact us today.

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Business Owners Policy – Serving Pennsylvania

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance.

You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Berks County Insurance Group, Inc. can help.

A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.

Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Berks County Insurance Group, Inc. will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!

Supplemental Coverage Available

• Extended liability for additional insureds.
• Debris removal, personal property.
• Tools and equipment.
• Valuable records protection and accounts receivable.

In addition to advising you on the right coverage, we provide additional services, such as:

• Loss Prevention Programs – with our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
• Quick Claim Response – when you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly.
• Competitive Rates – many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

To see if your business qualifies for one of these special programs, contact Berks County Insurance Group, Inc. for more information. Give us a call at 610-779-9060.

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Commercial Property Insurance

Serving the unique needs of businesses in Reading and all of Pennsylvania

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Berks County Insurance Group, Inc. can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.

Pennsylvania – What you need to know about commercial property insurance

BUILDING

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Berks County Insurance Group, Inc. a call today at 610-779-9060, and we’ll help you determine if you have enough commercial property insurance for your business.

FLOOD

Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Berks County Insurance Group, Inc. to review your coverage, and we’ll help you find the best solution.

BUSINESS PERSONAL PROPERTY

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

BUSINESS INCOME (BUSINESS INTERRUPTION COVERAGE)

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Berks County Insurance Group, Inc. strongly recommends that all businesses acquire this coverage.

ELECTRONIC DATA PROCESSING (EDP)

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

Based in Pennsylvania, Berks County Insurance Group, Inc. understands the business insurance needs of our customers. The right coverage for you is unique – call us at 610-779-9060 or contact us today to find out how to protect your business and your future with the right insurance.

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Commercial Umbrella Insurance

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.

The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact Berks County Insurance Group, Inc. today about a commercial umbrella insurance policy.

PENNSYLVANIA – WHAT YOU NEED TO KNOW ABOUT COMMERCIAL UMBRELLA INSURANCE

Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, Berks County Insurance Group, Inc. recommends that your business insurance program include this coverage.

WHAT IS EXCESS LIABILITY COVERAGE?

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

WHO NEEDS EXCESS LIABILITY COVERAGE?

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to Berks County Insurance Group, Inc. today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at 610-779-9060 and we’ll help make sure you’re covered.

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General Liability Insurance

Protecting the businesses of Pennsylvania

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

Berks County Insurance Group, Inc. recommends that all businesses have general liability coverage in place. Request a quote or call us at 610-779-9060.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

PROFESSIONAL LIABILITY INSURANCE (ERRORS & OMISSIONS)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Berks County Insurance Group, Inc. recommends that all professional and technology companies have E&O coverage.

EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI)

Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Berks County Insurance Group, Inc. recommends considering this type of coverage.

DIRECTORS AND OFFICERS INSURANCE (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call Berks County Insurance Group, Inc. at 610-779-9060 and we’ll help make sure you’re properly covered.

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Commercial Auto Insurance

Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment.

It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.

Hired/Non-owned Auto Liability

Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Use of Personal Vehicles

Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.

Every business is unique – talk to Berks County Insurance Group, Inc. today to find out how to get the best commercial auto insurance, service, price and value. Give Berks County Insurance Group, Inc. a call at 610-779-9060.

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Workers’ Compensation

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work.

Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

Berks County Insurance Group, Inc. can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you’ll see on the bottom line.

Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.

PENNSYLVANIA – WHAT YOU NEED TO KNOW ABOUT WORKERS COMPENSATION INSURANCE

Some Workers Compensation coverage can include:

• Innovative payment systems
• Medical disability case managers
• Utilization management nurses
• Certified life care planning nurses
• Vocational rehabilitation consultants
• Physician consulting services
• Legal staff
• Contracts with medical network providers
• Managed prescription drug program

To find out more about this product and other products and services, contact Berks County Insurance Group, Inc. today by calling 610-779-9060.

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Surety Bonds

Whether you’re a contractor looking for a complex bid bond or a business owner in need of a simple license and permit bond, Berks County Insurance Group, Inc. is here to help.

We know that you can’t conduct business or win the job without the backing of a solid surety bond. That’s why we only work with the most reputable and trustworthy surety providers.

Berks County Insurance Group, Inc. partners with only the best sureties to give you outstanding products supported by value-added services to contractors and businesses.

Here are some of the types of bonds we can provide:

CONTRACT BONDS

• Bid Bonds
• Performance & Payment Bonds
• Supply bonds

COMMERCIAL BONDS

• License and Permit Bonds - Contractor License; Highway and Street Permit; Agent/Adjuster/Broker License; Fuel Dealer; Professional License; Automobile Dealer; and Alcoholic Beverage Compliance Bonds
• Probate Bonds - Administrator; Executor; Guardian; and Trustee Bonds
• Receiver or Trustee Bond in Bankruptcy
• Public Official - Notary Public; Sheriff; Deputy Sheriff; Constable; Jailer; County/City/School Treasurer Bonds; Court Clerk; Loan Closing Attorney; and FHA Schedule Bonds
• Court Bonds - Plaintiff Replevin; Plaintiff Attachment; and Cost Bonds
• Miscellaneous Bonds

FIDELITY BONDS

• ERISA (Pension Plans),
• Business Services Bonds (e.g. janitorial, home health care or security)

FINANCIAL INSTITUTION BONDS AND D&O COVERAGE

• Commercial Banks and Savings Institutions, etc.

To find out more about our surety products and services, contact Berks County Insurance Group, Inc. today at 610-779-9060.