H&M
INSURANCE AGENCY
Business Insurance for Small & Mid‑Sized Businesses in Pennsylvania
Customized protection for your operations, property, and liability.
Pennsylvania Standard Coverages
-
General Liability — Covers bodily injury, property damage, and personal/advertising injury your business may cause. Includes legal defense costs if your business is sued.
-
Business Property — Protects your building, office space, equipment, inventory, furniture, and physical assets from fire, theft, vandalism, storms, and other covered losses.
Optional Coverage Add‑Ons
(These can be added for extra protection.)
-
Workers Compensation — Covers medical expenses, lost wages, and rehabilitation for employees injured on the job. Required for most PA businesses with employees.
-
Business Owners Policy (BOP) — Bundles General Liability and Business Property into one cost‑effective package designed for small and mid‑sized businesses.
-
Professional Liability (E&O) — Covers claims of negligence, mistakes, or failure to deliver professional services. Essential for consultants, agents, contractors, and service‑based businesses.
-
Cyber Liability — Protects your business from data breaches, cyberattacks, ransomware, and compromised customer information.
-
Commercial Umbrella — Provides additional liability limits above your primary policies, offering extra protection for large claims or lawsuits.
-
Equipment Breakdown — Covers mechanical or electrical failure of essential business equipment such as HVAC systems, computers, machinery, and refrigeration units.
Why Choose Us?
-
Multi‑carrier commercial markets
-
Tailored coverage for your industry
-
Fast COIs for contractors and businesses
-
Local Pennsylvania expertise
-
Competitive pricing and personalized service