Insurance coverage and risk management solutions for companies in various industries.
Specialized business insurance throughout Pennsylvania, Ohio and beyond.
Different businesses have different insurance needs. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
Each industry has its own set of unique risks and requires specialized insurance to protect what matters most. Our insurance advisors have in-depth knowledge and experience with a variety of industries, including those featured below.
Which business insurance is right for your company?
Explore how having the right business insurance can protect your company from the unexpected.
Stained glass is often very valuable and sometimes priceless. Several hundreds of thousands of dollars might be needed to refurbish the stained glass. If it’s damaged by vandalism, hail, fire, or other means, it can be very costly to fix. Finding a qualified contractor may also be challenging.
Depending upon your insurance coverage, an appraisal of your stained glass damage could be free of charge. In addition, consider including the value of the stained glass in the building limit of the church, and also include coverage under the church’s blanket limit. Some insurance companies may treat stained glass as part of a fine arts floater. Either way, this helps ensure the proper coverage in the event that something bad happens.
There are hundreds of reports each year of people being sexually abused by clergy, church staff, volunteers, and congregation members. Countless more are abused without any report being made.
Obtain the proper abuse or molestation coverage to protect the church in the event of an allegation arises. In addition, consider having a written document to address how to prevent sexual abuse from happening and what to do in the event of an allegation.
Church volunteers and employees often use personal vehicles to do work for the church.
Make sure to add hired and non-owned auto coverage to the church’s insurance policy to cover this exposure. Also, check the motor vehicle records for anyone who drives other members…especially kids.
Churches sometimes have very closely held beliefs that may open them up to potential lawsuits in the event the church’s beliefs cause someone else to feel wronged. An example might be a church refusing to perform a same-sex marriage, which results in a lawsuit.
Consider adding religious freedom coverage. This insurance can protect the church in the event it is sued because of closely-held beliefs core to the church.
Almost all churches have some form of board of directors that makes financial and operational decisions on behalf of the congregation. An organization once sued a church for improperly using their trademarked property while promoting a fundraising event. The total loss and defense costs totaled $400,000.
Directors and officers liability insurance protects the decision-makers of the church from lawsuits and claims. Instead of suing the individuals directly, the lawsuit would be defended by the church’s D&O policy. Most people who serve on a board in a volunteer capacity should demand this coverage before serving.
Roof claims are the most common claims that churches face. Each year, billions of dollars of damage are typically paid as a result of storm damage.
Ensure you have the proper coverage and confirm that you are insured to full replacement value. In addition, make sure your insurance policy includes replacement cost coverage for roof claims for wind and hail.
Security in churches is becoming a larger issue as attacks have increased in recent years.
Every church should have a security plan. This plan should detail where parishioners go in the event of an emergency, which entrances are open during worship times, who should contact the authorities, how to spot someone who may pose a security risk, and how to react to someone who is trying to cause harm to parishioners.
Religious Leaders often find themselves giving counseling to couples or other church members. In addition, religious leaders could be at risk of a lawsuit for what they say in the pulpit.
When it comes to counseling, religious leaders should have clear guidelines on what is acceptable in a counseling situation. In addition, religious leaders should be trained to know what needs to be reported to the authorities in the event of an extreme situation. Adding professional liability coverage to your church’s insurance policy can help protect the religious leader and church from claims or lawsuits arising from what the religious leader says at the pulpit or when teaching or preaching.
Fire Department Insurance
Your fire department is a center for heroes giving their all to help their communities, but it isn’t without risk. Fire departments face unique circumstances that many other businesses don’t, including the dangerous situations they encounter. You need insurance to protect your fire department while you’re busy protecting the community.
Brewery Insurance
Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance and general business insurance to develop one, simpler policy.
Child Care Center Insurance
Parents trust child care centers with their children from the earliest days. As with any facility that caters to the care of young ones, there are special risks in addition to the ordinary risks of running a business. Our specialized insurance policies will keep you covered.
Church Insurance
A church is so much more than a place of worship—it's also a community center, an employer and oftentimes, a home. We offer customized insurance options that fit all of these unique needs.
Municipality Insurance
Insuring a municipality can be complex. There are many different types of risks associated with running a city or township, including protecting its citizens. Keeping in mind what’s best for everyone and everything means having the proper coverage in place for every situation.
Contractor Insurance
Contractor insurance isn't one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business' unique needs are protected.
Condo Building Insurance
Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
Dealership Insurance
The risks associated with owning a dealership are diverse, no matter what you sell. From workers' comp to coverage for customers' vehicles, we'll help you navigate the complexities and design a policy that keeps your business running smoothly.
Dental Office Insurance
Your patients’ teeth are your top priority. You take pride in knowing you’re providing the best care possible of every person who walks through your door. Staying up to date on news and trends in dentistry should be top of mind, not your insurance policies. Still, it’s imperative you cover your office’s unique risks with specialized dental office insurance.
Farm Insurance
It can be overwhelming to think about insuring your farm if it's both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.
Fitness Center Insurance
As a gym or fitness center owner, customer waivers are usually not enough to protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.
Fleet Insurance
Fleet insurance is the simplest way to cover all of the cars and trucks owned by your company with a single policy.
Garage Repair Shop Insurance
Garage repair shops face high financial risks simply because of the nature of the business. A specialty insurance policy can protect your garage repair shop from potentially devastating financial losses.
Golf Course Insurance
Golf is a relaxing pastime that many people enjoy, but operating a golf course isn't such a walk in the park! Specialty golf course insurance can protect your business from financial risks associated with property damage, extreme weather, liquor liability and much more.
Manufacturer Insurance
Manufacturers come in all shapes, sizes and product lines. But no matter what type of manufacturing business you're in, there's one thing in common: the need to protect your business. We can help you design the right manufacturer's insurance policy.
Medical Office Insurance
Just as your patients need to maintain insurance coverage, so should you. Your medical office comes with a unique set of risks and a specialty medical office insurance policy can keep you protected against a loss.
Non-Profit Insurance
Even though your organization's goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We'll help you design a non-profit insurance policy that covers your organization's unique needs.
Property Manager Insurance
If you manage residential or commercial properties, you face a diverse set of risks and potential losses. From liability issues to damage protection, we'll help you navigate the world of property manager insurance and design coverage that's a perfect fit.
Real Estate Investor Insurance
Real estate investment is an exciting, and sometimes risky, venture. There are unique liabilities and factors to consider when insuring your property. We'll help manage those risks and keep your investment protected.
Restaurant Insurance
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
Retail Business Insurance
As a small business owner, you have a lot to think about. Customized retailer insurance coverage can help to take some of those worries off of your plate.
School Insurance
Schools can be a second home for the families they serve. Protecting this community hub is crucial. Having the right insurance in place for a school’s unique needs can make all the difference when an incident occurs.
Technology Firm Insurance
Technology firms face unique risks due to the nature of their work. Specific tech firm insurance can help to combat and prevent these risks.
Trucking Insurance
Does your company make use of commercial trucks? If so, you may need to consider commercial trucking insurance, which covers more risks than your typical auto insurance would.
Wholesaler and Distributor Insurance
As a wholesaler or distributor, your business has heightened risks because of the amount of stock kept onsite. A specialty wholesaler and distributor insurance policy protects you from the unique financial risks associated with this type of business.