Commercial Insurance
At PennRisk, we help businesses of all sizes navigate risk and secure reliable coverage—so you can focus on what you do best. From general liability and workers’ comp to cyber and professional liability, our solutions are tailored to your industry, budget, and growth goals. With access to over 100 carriers and decades of experience, we deliver protection with purpose.
Why Choose PennRisk for commercial insurance?
With decades of industry experience and a deep understanding of the challenges businesses face today, we’re here to offer strategic advice, proactive service, and tailored protection.
Our licensed agents operate in ten states and have physical offices in three, allowing us to support local businesses with national reach. We have relationships with over 100 leading carriers, giving us the flexibility to match you with the best rates and options, no matter your industry or size.
When you work with PennRisk, you get personalized attention, fast turnaround, and long-term support—all from a team that genuinely cares about your success.
General Liability Insurance
General liability insurance protects your business against claims of bodily injury, property damage, and personal injury that can arise during your normal operations. It’s a fundamental layer of protection—one that no business should go without. At PennRisk, we’ll help you assess your exposures and tailor a policy that shields your company from unexpected legal and financial risks.
Commercial Property Insurance
Your physical space—whether it’s an office, warehouse, storefront, or studio—is critical to your success. Commercial property insurance helps protect the buildings, equipment, and inventory that power your business. From fire damage to theft and vandalism, our policies ensure that when the unexpected happens, your business can bounce back quickly.
Workers’ Compensation
Accidents happen, even in the safest work environments. Workers’ compensation insurance provides coverage for medical expenses and lost wages when employees are injured on the job. At PennRisk, we make sure your policy complies with state laws and keeps your team protected—because your employees are your most valuable asset.
Commercial Auto Insurance
Whether you have a fleet of delivery vans or a single company car, commercial auto insurance ensures your vehicles—and your drivers—are protected. We help you customize coverage for property damage, liability, medical payments, and more. Our team will work with you to make sure your policy matches the way you do business.
Professional Liability (E&O) Insurance
Also known as Errors & Omissions insurance, this coverage protects your business if a client claims that your services caused them financial loss. It’s particularly vital for consultants, lawyers, tech firms, financial advisors, and other service-based professionals. We’ll help you find a policy that reflects the nature of your work and the level of protection you need.
Cyber Liability Insurance
Cyberattacks and data breaches can bring operations to a halt and damage your reputation. Our cyber liability policies cover expenses related to data recovery, legal defense, customer notification, and more. Whether you’re storing sensitive data or just want peace of mind, this growing area of protection is one no modern business should ignore.
Ready to Get a Quote?
Whether you're reviewing your current policy or starting from scratch, we’re here to help. Book a free consultation with our team—virtually or in-person—and get expert guidance on the right insurance for your business.
FAQs
Running a business comes with plenty of moving parts—insurance doesn’t have to be one of them. Explore answers to frequently asked questions from business owners just like you.
Have a question?What types of insurance does my business legally need?
Requirements vary by state and industry, but most businesses need general liability and workers’ compensation at minimum. Depending on your operations, commercial auto or professional liability may also be required. We’ll help you stay compliant and protected.
Can I customize coverage for my specific industry?
Absolutely. Whether you’re in construction, healthcare, retail, or consulting, we tailor your coverage to address your unique risks. Our access to niche and industry-specific carriers gives you a competitive edge.
What happens if I need to file a claim?
We’re here to support you through the process. Our team will help document the issue, communicate with your carrier, and ensure your claim is handled quickly and fairly. You’re never on your own with PennRisk.