Business Insurance / Commercial
Commercial Insurance
Commercial insurance goes wrong in one of two ways: the policy is written for a business that does not quite match yours, or nobody updated it when the business changed. Both surface at claim time. An independent agency can move the risk between carriers as the business grows instead of forcing it into one company's appetite.
What It Covers
The parts of the policy, in plain terms.
General liability
Third-party bodily injury, property damage and advertising injury. The baseline almost every landlord, client and contract will ask you to carry.
Commercial property
Your building, equipment, inventory and improvements. Worth checking whether it is written at replacement cost and whether the limit still matches what you own.
Business owner's policy (BOP)
Bundles general liability and property, usually with business interruption included, at a lower combined cost than buying them separately.
Commercial auto
Vehicles owned by the business, plus hired and non-owned auto for employees driving their own cars on company errands. That second part is regularly missed.
Workers' compensation
Required in Pennsylvania once you have employees. Rates are driven by class code and payroll, and a wrong class code is expensive in both directions.
Business interruption
Replaces income while you cannot operate after a covered loss. Underrated until the month it is needed.
How it plays out
A pipe fails over a weekend and floods your shop floor. The property claim rebuilds the space and replaces the equipment. What it does not do is pay the payroll and the rent for the six weeks you are closed. Business interruption is the coverage that does that.
Frequently Asked Questions
Commercial Insurance questions we get.
What is a BOP and is it right for my business?
Do I need workers' compensation for one employee?
My client wants to be an additional insured. What does that mean?
Are you only writing contractors?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
General Liability
The third-party coverage every contract, landlord and city licence asks you to carry.
Workers' Compensation
Required in Pennsylvania once you have employees, and priced on payroll and class code.
Vacant Building
For a building sitting empty, where a standard property policy quietly stops working.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file