Pennsylvania Business Insurance
Pennsylvania's diverse economy — from Philadelphia's service sector to Pittsburgh's manufacturing renaissance and the state's massive freight network — creates varied commercial insurance needs. Garzor Insurance provides Pennsylvania businesses with competitive coverage backed by carriers that understand the Keystone State market.
Why Pennsylvania is different
- Coverage for Pennsylvania's manufacturing, logistics, and energy sectors
- Pennsylvania workers' comp required for all employers — no minimum employee count
- Trucking coverage for I-76, I-80, and I-81 corridor operations
- Commercial auto programs for Philadelphia, Pittsburgh, and Allentown metro fleets
- Marcellus Shale energy contractor coverage specialization
- GL and professional liability for PA's strong professional services sector
Why Garzor Insurance
- Understanding of Pennsylvania's diverse regional economies and risk profiles
- Carriers with competitive PA workers' comp and commercial auto rates
- Fast COI turnaround for Pennsylvania contractors and motor carriers
- Workers' comp expertise — PA requires coverage from employee #1
- 4.9/5 Google rating — nationally trusted agency
Regulatory notes
Pennsylvania requires workers' compensation for all employers — virtually all employees must be covered from day one. Commercial auto minimum liability is 15/30/5 (but most commercial policies require much higher). Pennsylvania follows a modified comparative fault system (51% bar). PA is a choice no-fault state for personal auto. Motor carriers must comply with PennDOT and FMCSA regulations.
Carriers we place in Pennsylvania
- Progressive
- Nationwide
- Travelers
- Employers
- AmTrust
- Safeco
- Bristol West
- Northland
- Canal
- Cover Whale
Industries we serve
- Trucking & Transportation
- Contractors & Construction
- Manufacturing
- HVAC Companies
- Electricians
- Restaurants
- Landscaping
- Auto Service & Repair
Get a free quote or call (321) 206-8035.