Month: November 2023

If you own a Pennsylvania business, there may be required commercial insurance policies that you must have to stay legal. It’s important that you know whether these policies are required for your specific business so you know how to be compliant. When you need commercial insurance for your business, you can learn more by calling us at Bethlehem Truck LLC in Bethlehem, PA.

Worker’s Compensation Insurance 

The state requires every Pennsylvania business that has employees to have this type of insurance. It’s required to have this coverage no matter how many employees a business has and when they work. Seasonal and part-time workers are included in this requirement as well as full-time workers. When you have this insurance, it pays for the medical bills and other expenses, such as lost wages and disability payments, when an employee gets injured on the job or gets a work-related illness. This insurance protects your business against what could be extremely expensive medical bills and other related costs. It also pays for legal bills that are due from the accident. 

Commercial Auto Insurance

When your business owns a vehicle of any kind, it has to be insured with a commercial auto insurance policy. This works just as personal auto insurance does, but it’s specifically for business vehicles. If you have personal insurance on a work vehicle, it likely won’t pay out if there is an accident. There are different types of coverage required to be in this policy. The policy has to have an amount for medical benefits and another amount for property damage liability. It must have two different amounts for bodily injury liability.  One of these amounts is for just one injured person. The other is for all of the injured parties. 

Protect Your Business With Commercial Insurance

To get your commercial insurance policies, call us at Bethlehem Truck LLC in Bethlehem, PA.