Commercial Insurance for Ohio & Pennsylvania Businesses
BOPs, general liability, property, and specialty business coverage from 100+ carriers.
Whether you're an LLC just getting started or running a multi-location business, we tailor commercial coverage to your specific industry. We write businesses across Ohio and Pennsylvania through carriers including Travelers, Liberty Mutual, Cincinnati Insurance, Society Insurance, Acadia, Markel, Hiscox, and more — matching your industry to the carrier that prices it best.
What Commercial Insurance Covers
Core coverage components we'll review and tailor on your quote.
Business Owners Policy (BOP)
Bundles general liability + property + business income at a discount. The right starting point for most small businesses.
General Liability
Covers third-party injury, property damage, and personal/advertising injury claims. Required by most landlords and contracts.
Commercial Property
Buildings, inventory, furniture, equipment, and signs. Add equipment breakdown for HVAC/walk-ins/refrigeration.
Business Income & Extra Expense
Pays rent, payroll, and lost profits while you're shut down after a covered loss. Carry 12+ months.
Professional Liability (E&O)
Protects against claims your professional work caused financial harm. Required for consultants, agents, designers, IT firms.
Cyber Liability
Breach response, ransomware, business interruption, and customer-notification costs. Essential for any business that takes credit cards.
Optional Add-Ons Worth Considering
- Hired and non-owned auto
- Employment Practices Liability (EPLI)
- Crime / employee dishonesty
- Inland marine for tools and equipment in transit
- Liquor liability (for restaurants, bars, breweries)
- Commercial umbrella stacking over GL + auto + EL
Common Exclusions (What's Usually NOT Covered)
Knowing what your policy doesn't cover is just as important.
- Workers' compensation (separate policy required by law)
- Auto-related liability (need commercial auto)
- Professional services without E&O endorsement
- Pollution liability (separate endorsement)
- Acts of war, nuclear hazards
Who Really Needs This Coverage
- Any business with employees, customers, or vendors
- LLCs with a commercial lease
- Contractors and tradespeople (also need bonds)
- Restaurants, retail, professional services, manufacturing
What Drives Your Premium
Industry class code
Roofers and bars pay more than accountants. Class code matters enormously.
Annual revenue or payroll
Primary rating basis for GL and workers' comp.
Property values
Building, contents, and equipment replacement cost.
Claims history
Two losses in five years can make you hard to place — we have markets that specialize in this.
Frequently Asked Questions
Quick answers about commercial insurance in Ohio and Pennsylvania.
Related Insights from Our Blog
Plain-English guides relevant to commercial insurance.
Explore Related Coverage
Ready for a real quote on commercial insurance?
We'll compare options across 100+ insurance markets and contact you as soon as possible during business hours.
No obligation. No spam. Just a real Ohio agent.