PA Insurance Guide
Pennsylvania Business Insurance Requirements
Everything you need to know about business insurance requirements in Pennsylvania. Compare quotes from top carriers licensed in PA.
Average Business Insurance Costs in Pennsylvania
$65/mo
Business Owners Policy
GL + Property combined
$41/mo
General Liability
$1M/$2M coverage
$110/mo
Workers Compensation
Per employee average
Pennsylvania Insurance Requirements
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Workers Compensation: Required
All employers with 1+ employees
- ✓Workers compensation required for virtually all employers with employees
- ✓Employers must post notice of workers comp coverage in the workplace
- ✓Commercial auto insurance required for business vehicles
- ✓Construction industry has strict insurance and bonding requirements
- ✓Philadelphia businesses may face additional local requirements
Regulatory Authority: Pennsylvania Insurance Department
Top Industries We Insure in Pennsylvania
Healthcare
Get a quote →Manufacturing
Get a quote →Technology
Get a quote →Construction
Get a quote →Financial Services
Get a quote →Education
Get a quote →Pennsylvania Business Insurance FAQ
Is workers comp required in Pennsylvania?
Yes. Pennsylvania requires nearly all employers to carry workers compensation insurance. This includes businesses with even one part-time or full-time employee. Sole proprietors and general partners are not required to cover themselves but may elect coverage.
How much does business insurance cost in Pennsylvania?
Pennsylvania business insurance costs are near the national average. A BOP averages $65/month, general liability averages $41/month, and workers comp averages $110/month. Philadelphia-area businesses tend to pay slightly more due to higher property values.
What insurance do Pennsylvania contractors need?
PA contractors need workers compensation, general liability (most projects require $1M minimum), commercial auto insurance, and may need surety bonds depending on the project. Home improvement contractors must register with the PA Attorney General.
Does Pennsylvania require general liability insurance?
General liability insurance is not legally required by the state of Pennsylvania for most businesses. However, it is practically required by most commercial leases, contracts, and clients. Most PA businesses carry at least $1M in general liability coverage.
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