We offer a wide range of coverages. Consult your agent for the coverage that offers you the best protection for your unique business needs.

Businessowners Program

Businessowners insurance combines property and general liability under one policy. We take the basic Businessowners Policy and add extra insurance protection at no extra charge. Get even more protection with our PennPac Plus, which offers higher coverage limits. Or upgrade to our PennPac Deluxe, which offers blanket limits for certain coverages. All options are offered at an affordable rate.

Commercial Auto

Whether you need to insure one company passenger-type vehicle or a fleet of trucks, we have the right coverage for you. In addition, our enhanced Auto PennPacs provide additional coverages, including replacement cost coverage, for eligible private-passenger-type vehicles.

Property

Property coverage protects your business if damage to your building, office, furniture, equipment or contents occur. Compared to a Businessowners Policy, Property coverage offers a broader range of optional coverage to meet the needs of larger, or more diverse, businesses. Our Property PennPac features many enhanced coverages. Equipment Breakdown coverage is automatically included. We also have enhanced PropertyPennPacs for business hotels, printers, manufacturers and industrial, restaurants and wholesalers that provide coverages specific to the industry.

General Liability

General Liability insurance protects you against liability claims for bodily injury and property damage of a business's premises, operations, products and completed operations; and advertising and personal injury liability.

Workers' Compensation

We provide Workers’ Compensation coverage in most of our operating territory. Besides providing state-required coverage for your employees, we care for your injured employees while controlling your workers’ compensation costs through our managed care and provider network program.

Read more about our managed care program >

Umbrella

An Umbrella policy provides protection against catastrophic losses and is written over our Business Auto, Commercial General Liability or Employers Liability policies. It picks up where the underlying policy leaves off when the aggregate limit of the underlying policy is exhausted by the payment of claims. It also provides protection against some claims not covered by the underlying policies.