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Construction is a job that requires enormous responsibility and thus may attract massive liability. Whether a simple renovation project or a large construction project, many accidents may arise, such as the collapse of buildings, trip and fall accidents, equipment breakdown, or commercial vehicle accidents.
Any construction business requires a contractor’s insurance policy that will protect you against any claims made by clients or employees. This article comprehensively analyzes the type of Pennsylvania contractor insurance policies you need, add-ons, coverage limits, and reputable companies you can purchase from.
There are specific PA contractor insurance requirements that you must meet. Here are some crucial Pennsylvania contractor insurance requirements:
General liability insurance–This insurance policy is fundamental and must carry a minimum limit of 50,000 dollars coverage for personal injury claims and 50,000 dollars coverage for property damage claims.
Commercial auto insurance–The coverage limit will depend on the number of vehicles you have and what operations you deal with. But primarily you must have limits of 15,000 dollars to cover bodily injury for each person and 30,000 dollars for a single accident.
Workers compensation insurance–It is mandatory to cover all your part-time, full time, and any family member who works on behalf of your company.
Extra coverage requirements–Some types of contracts, such as public projects, may need extra insurance coverage, such as builder’s risks insurance or bid bonds.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
This general contractor insurance PA is designed to safeguard your clients and your business through the entire phase of a construction project. The policy will cover all claims arising from any damages you may cause to third parties. Your business should take advantage of this coverage as it covers all liability risks associated with all your ongoing operations.
A client is injured by a construction equipment while inspecting the construction site.
When renovating or constructing a building, you damage neighbors’ properties.
When advertising your construction business, you use misleading information.
You make defamatory remarks on your website or social media accounts
The products you distribute to clients cause them harm
Cyber liability insurance–If you run your construction business digitally, you are exposed to ransomware or unauthorized access to your sensitive data. It would be best to have this policy to shelter your business from any losses suffered after any illegal access to your data
Contractual liability coverage–This will cover all liabilities that are assumed under specific contracts. It will cover all injuries and damages as part of your contractual obligations
You can be paid up to $2 million to cover third-party injuries and liabilities after an unpredictable accident has happened on the construction site. The amount can be paid for a single occurrence, while you can receive up to $5 million as the aggregate limit.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
This insurance cushions your business against any claims arising from committed or alleged mistakes or errors in your construction work. For instance, you can make a mistake when building the foundation of a house, which may later cause your client to incur expensive readjustments after a few years. The client can sue you to recover the extra expenses. In such an event, this type of contractor liability insurance PA will cover such claims.
You procure faulty construction materials, leading to the owner incurring hefty expenses.
You make a mistake in the design of a building, leading to a collapse
You unprofessionally break off a contract agreement, leading to a client incurring losses
Run-off coverage–If you decide to sell your construction business or cease operations, this add-on will offer coverage for claims made after your policy expires. But the claims must be related to the professional construction services you offered while the policy was active
Subcontractor liability extension–This add-on will extend the coverage of your standard professional indemnity insurance and include subcontractors working on behalf of your business
If your customers sue you for professional negligence or mistakes, your insurer can pay you a coverage limit of $500,000 to $1 million. You can use the amount to pay settlements, legal, and judgment fees.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property covers your property and other specified structures. Aside from contractor liability insurance PA, purchase this if you heavy machinery and buildings. It covers perils such as natural disasters, vandalism, or fire. If an accident happens and your property is damaged, this policy will pay the rebuilding, repairing, and replacement costs to ensure your business runs smoothly.
If your inventory is destroyed by fire, the insurance will cover the costs of replacing the inventory.
Storms can destroy your buildings, and this insurance will cover rebuilding costs.
The insurance will cover all associated costs and losses if your property is vandalized.
Flood insurance–The standard commercial property insurance may not cover flood events; in such circumstances, you require flood insurance as an add-on.
Earthquake insurance–Although Pennsylvania is not considered an area prone to earthquakes, earth tremors can occur. You can include this add-on to protect your property.
After an accident, your insurance company will evaluate the damages suffered and how much money is required to rebuild or repair your property. But generally, the commercial property coverage included in home improvement contractor insurance PA offers a $25,000-$500,000 limit.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
A business owner’s policy (BOP) is a comprehensive and cost-effective policy for medium and low-risk businesses. Consider taking a BOP if you operate a medium construction business. This policy includes property, business interruption, and general liability insurance.
During your construction project, you may damage nearby property
Claims of defamation
Claims of slander or libel
Any damage to your business contents and property
Umbrella insurance–Offers additional liability in addition to what your BOP can provide. It will cover extra costs in any accidents where claims exceed the limits provided by your policy
Equipment breakdown coverage–This add-on will cover replacement or repair costs for your equipment in case of any electrical or mechanical breakdown
BOP includes two types of coverage limits; property and liability insurance. For liability, you will get $1 million to $2 million for a single occurrence, while for property insurance, you will get $10,000 to $500,000.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
This insurance policy will shelter your valuable tools and equipment. It will cover damage, theft, or loss of your essential items. But you need to note that this insurance will cover only accidental damage or theft and will not compensate you for intentional acts or normal wear and tear.
Your tools and equipment are stolen
Fire causes damage to the tools you use for business operations
Your items are lost when being transported or in other off-site premises
Inland marine insurance–This policy will cover all items frequently moved from one job site or location to another.
Contractor’s equipment floater–This add-on offers comprehensive coverage for your equipment and tools; it extends the coverage to items that are lost or damaged at off-site locations
After your tools or equipment are lost or damaged by covered events, your insurance provider can pay you up to $50,000 in compensation. The amount should be sufficient to cover replacement and repair costs.
Commercial auto insurance is required for all businesses that operate commercial vehicles. This helps you avoid medical bills, lawsuits, or repair expenses resulting from auto accidents. It covers your passengers and driver in the event an accident occurs.
Liability coverage–Shelters your employees and company from unexpected costs after an accident. It covers property damage and any bodily injury
Comprehensive coverage–This covers all non-collision events such as vandalism, theft of your vehicles, and destruction from natural disasters
Collision coverage–Pays for the repair costs if your commercial vehicle hits another vehicle or object
Medical payment coverage–Helps to pay for all injury-related costs that can result from a covered incident. It covers hospital fees, ambulance costs, medical bills, and funeral costs
Uninsured/underinsured motorist coverage–If the driver at fault is uninsured or underinsured, this insurance will pay for all the related injuries and damages
Roadside assistance–This coverage covers the costs of fuel delivery and towing services, among other roadside assistance services, if your vehicle breaks down on the road
Cargo insurance–You can include extra coverage if you transport materials, goods, or equipment. This add-on will cover the damage or loss of your cargo
The coverage your insurance provides can be $50,000 to $500,000. But this amount will depend on the extent of the accident and the losses your business suffers.
This is crucial coverage for contractors as it offers additional protection in case the worst catastrophes hit your construction. The policy offers extra protection beyond your standard policy’s limits. If your business faces high-value claims, this insurance policy safeguards your business from incurring extremely high settlement costs.
You cause property damage when conducting your construction business
Your business is accused of slander or defamation
Your construction equipment injures a visitor
Employment practices liability insurance–Will shelter your business from claims related to employment practices such as harassment or wrongful termination
Directors and officers liability insurance–If you are a director for your construction business, this add-on will protect your assets in the event of any lawsuits of mismanagement or wrongful acts
You can get a reimbursement of $1 million to $10 million. You can use this money to settle any extra amount not covered by your primary insurance limit.
Workers’ compensation insurance shelters your construction business if workers sustain injuries or fall sick. But the illnesses must be closely related to work-related hazards or due to strenuous activities. Some of the costs covered by this policy include:
Medical expenses
Lost wages
Recovery costs that are related to occupational injuries
Legal fees when your employees sue you
Funeral costs
Death benefits to the designated beneficiaries
An employee trips while constructing a building and sustains an injury
Mental health issues due to work-related trauma or stress
Back injuries due to lifting heavy construction materials
Voluntary compensation insurance–This add-on will extend your worker’s compensation coverage to include all volunteers not covered by the standard policy
Foreign voluntary workers’ compensation–If your employees are required to operate internationally, you need this coverage to offer your employees benefits in case they fall ill or get injured when constructing abroad
The coverage for your standard limit should sufficiently cover all ambulance costs, hospital bills, and medication expenses. For the lost income benefits, an insurance company calculates it depending on an employee’s weekly wage.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $33 | $396 | $0-$500 |
| Professional liability insurance | $50 | $600 | $1,000-$2,000 |
| Commercial property insurance | $60 | $720 | $1,000-$2,000 |
| Business owner’s policy | $83 | $996 | $1,500 |
| Tools and equipment insurance | $36 | $432 | $500-$1,000 |
| Commercial auto insurance | $55 | $660 | $500-$1,000 |
| Workers compensation insurance | $94 | $1,128 | $2,500-$5,000 |
| Excess liability insurance | $38 | $456 | $500-$1,000 |
The average PA contractor insurance cost is $33 per month or $396 per year for a $1 million general liability policy. But actual premiums will vary depending on the size of your construction business, exposed risks, or number of workers. Here is a table that summarizes the cost of a $1 million contractor liability insurance PA from some reputable companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $16 | $192 | Best overall; Fastest general liability insurance |
| The Hartford | $19 | $228 | Comparing PA contractor insurance quotes online |
| CoverWallet | $21 | $252 | Contractors who are looking for a company with unrivaled experience in underwriting contractors’ insurance policies |
| Tivly | $25 | $300 | Contractors who want to compare contractors’ insurance quotes on their phone |
| Thimble | $29 | $348 | Contractors looking for coverage for one-time projects |
| Hiscox | $32 | $384 | Contractors looking for an insurance policy with automatic renewal |
Get all the best quotes from leading providers in a click of a button!
Here are some of the companies you might want to work with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:
Offers your construction business a virtual proof of insurance
You can obtain contractors insurance coverage within minutes
Their customer team personnel are ready to offer you guidance at any time
When you choose their BOP or purchase many policies together, you can get a 10% discount
Couldn’t find any
NEXT is a well-known insurance carrier that was started in 2015. Over the last eight years, this company has been offering contractors insurance on its online platform. Their AI technology helps them to properly manage customers’ policies and ensure processing of claims is done quickly. Their unparalleled experience ensures the process of underwriting a policy is straightforward.
Best for: Best overall; Fastest general liability insurance
Average cost: $16 per month
Our rating: 10/10
This company has a comparison tool where you can quickly get quotes from many insurance companies.
They have hired the best agents to assist contractors in obtaining the ideal coverage for their business.
Their insurance premiums are affordable even for startup contractors
They are an insurance broker who doesn’t have direct control of the policies they offer
CoverWallet collaborates with different insurance carriers to offer contractors comprehensive coverage. They stand out due to their ability to connect businesses with big players in the insurance market. You can buy several policies such as workers’ compensation, BOP, general liability, commercial property, commercial auto, and tools and equipment insurance.
Best for: Comparing PA contractor insurance quotes online
Average cost: $19 per month
Our rating: 10/10
This company offers insurance resources to help you better understand the insurance needs of your business.
They periodically conduct webinars that educate customers about their insurance needs.
Their customer care team will assist you in getting the right coverage for your business.
You can get budget-friendly insurance premiums
Primarily offers benefits for AARP members
The Hartford is known for partnering with AARP and offering unique benefits. But they also offer insurance for contractors either starting out or already established. They have unbeatable experience and expertise when it comes to underwriting various policies. You can get comprehensive coverage for your construction business.
Best for: Contractors who are looking for a company with unrivaled experience in underwriting contractors’ insurance policies
Average cost: $21 per month
Our rating: 10/10
This vast insurance marketplace lets you connect with the best providers.
You have versatility when it comes to selecting your provider
You can obtain cost-effective policies for your construction business
Third parties offer their insurance policies
Tivly bridges the gap between insurance carriers and contractors. They act as an intermediary who will help you get the ideal coverage. With this company, you can obtain the most affordable insurance premiums. They also have a straightforward virtual platform where you can obtain a contractor’s insurance. Call now to compare quotes over the phone.
Best for: Contractors who want to compare contractors’ insurance quotes on their phone
Average cost: $25 per month
Our rating: 9/10
You can get coverage for your construction business, even for a one-time project.
Increasing your limits or adding more add-ons as your business grows is possible.
This company offers multiple insurance policies for your construction business.
You can only seek assistance online
Thimble is an insurance company offering contractors coverage for one-time or long-term projects. If you want to renovate a building for a day or week, this company will shelter you from any accidents during this period.
Best for: Contractors looking for coverage for one-time projects
Average cost: $29 per month
Our rating: 9/10
The company is known for processing contractor’s claims fast
They offer discounts and benefits on their worker’s compensation insurance
They have a virtual platform that is easy to operate
Couldn’t find any
Hiscox is an insurance company that has been around for over a century. They have an unrivaled reputation and efficacy when issuing contractor insurance policies. If you have a large construction company, Hiscox will offer specialized cover for your business. Additionally, they have a proactive customer service team who are ready to offer the needed assistance.
Best for: Contractors looking for an insurance policy with automatic renewal
Average cost: $32 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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