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Where can I get an online estimate for small business insurance in Pennsylvania?
Feb 22, 2007 by techno_junki | Posted in Insurance
Do not make the devastating error of attempting to insure your business without professional help. There are too many vulnerabilities you don't want to expose yourself to. See a property and casualty agent or agency that specializes in business coverage.
Rob D | Feb 22, 2007
Owning a business, (Website only, no employees), business insurance????
Sep 26, 2006 by tozarondanose | Posted in Insurance
I was wondering if you need business insurance no matter what kind of business you own. I am starting a business that is nothing more than a website that is free for users and only makes revenue from advertising. I have no employees and am registered with the state. Do i need any type of business insurance? LLC.
Pennsylvania if it matters.
Thanks for your help/
If you want to protect your business property - your computers, printers, routers, etc. and other office supplies & furnishings you need business property coverage.
Every business also has exposures to liability losses. In your case, there is not much exposure to people being injured on your premises. But maintaining a web site falls into the same general category of publishing - just like a book, magazine or newspaper. You can be sued for a variety of things including libel, slander, invasion of privacy, false advertising, copywrite infringement, etc. There is no legal requirement for you to have liability insurance, but if you don't have personal assets to cover a $1,000,000 or more judgement against you, you better have liability insurance.
You should contact a local, independant insurance agent to see about a small business owners package policy. I have handled many of these for businesses just like yours. Coverage for your business property and liability could be as little as $50 - $75 a month.
Xeod | Sep 26, 2006
In PENNSYLVANIA, are there any exceptions to the law that all employers must purchase workers comp insurance?
Oct 16, 2007 by Emily | Posted in Insurance
Could there be an exception for having less than three employees? Also, is there any way to get a break on the premium? We own a roofing business and the workers comp premiums are EXTREMELY high. Any ideas on how to lower them even a little?
I understand that if we were somehow able to avoid purchasing the insurance that we would have to let our employees know, and perhaps be ready to offer them health insurance. I'm just curious to know if this is even possible.
In PA, it's not the NUMBER of employees that counts - it's what type of work they are doing. Example: if you have a domestic worker come in (aka, maid) you do NOT have to provide them with coverage. Also exempt are KEY PERFORMERS, that work on stage, such as when Pavarotti would come in for a show.
PA is NOT an NCCI state, so it's one of the oddball states.
Seeing as how you have three employees doing roofing, I'm assuming your premium is well over $5,000. There is such a thing in PA as a Safety Committee Credit - which saves you 5%. Your agent should have told you about this, and they can ALSO help you set it up. It's only good for three years, though, so if you've already used it, well, sorry!
Another option is a deductible, but I NEVER EVER recommend it - any losses under the deductible, you pay, but they still count against you for experience rating.
Lastly, regarding the health insurance - in PA, most health insurance policies won't cover an injury that is "workers compensable" - which means, if it CAN be covered by workers comp, they won't pay it, even if there isn't any workers comp in place. But you'll have a darned hard time finding anyone to give you a group policy, without wc in place - lots of companies have tried it, and the health insurance companies are "on to" that little trick.
mbrcatz | Oct 16, 2007
Losing job for first time a painful experience
10.01.09
Behind the latest unemployment figures showing another 500,000-plus Americans lost their jobs is a sad truth: The deeper the recession becomes, the more it touches people whose livelihoods have never been threatened by dark financial times. Now the employment line includes workers who've never lost a job before and always believed experience and hard work would protect them. Many of them are shocked and depressed — or stuck in denial. And they must confront the worst job market since the end of World War II. Some say they will take any kind of work, no matter what it pays or where it is. Others hope they can somehow squeak by on unemployment insurance. A despairing, middle-aged man in Pennsylvania toyed with the idea of killing himself in a way that would allow his wife and daughter to collect on his life insurance policy. In interviews across the country, the newly jobless contemplated their futures in these uncertain times. ___ Julie Banner had parted ways with Avnet Electronics several times over the last two decades — always for a new experience or a better opportunity. But one December morning, after she had just printed a stack of orders at the North Carolina distributor of computer components, the tables turned for the first time in her working life.
Source: The Associated Press
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Pennsylvania business insurance - News
Losing job for first time a painful experience
The Associated Press - Jan 10, 2009
Others hope they can somehow squeak by on unemployment insurance. A despairing, middle-aged man in Pennsylvania toyed with the idea of killing himself in a
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Business as Usual for Penn Treaty Policyholders - Trading Markets (press release)
Trading Markets (press release), CA - Jan 09, 2009
Business as Usual for Penn Treaty Policyholders Policyholders should continue to pay premiums and file claims as they always have, said Melissa Fox, a spokeswoman with the Pennsylvania Insurance State Takes Over Cash-Strapped Insurance Companies
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Cave-in insurance now easier to get - Wilkes Barre Times-Leader
Wilkes Barre Times-Leader, PA - Jan 10, 2009
Cave-in insurance now easier to get By Sherry Long slong@timesleader.com PITTSTON – The Pennsylvania Department of Environment Protection has now made getting the insurance easier and more Pennsylvania DEP Secretary Outlines Pittston Mine Subsidence Study
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Bloomberg argues for help for small business
Reuters - Jan 10, 2009
Arnold Schwarzenegger and Democratic Pennsylvania Gov Ed Rendell for more infrastructure dollars. But he also believes that instead of waiting for federal
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Aon Consulting Hires Joe Clouse as Northeast and Corporate ... - PR Newswire (press release)
PR Newswire (press release), NY - Jan 08, 2009
Aon Consulting Hires Joe Clouse as Northeast and Corporate Aon Consulting was named the best employee benefit consulting firm by the readers of Business Insurance magazine in 2006, 2007 and 2008.
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