4950 Hafer Road
Reading, PA 19606
Berks County Insurance Group, Inc. understands the needs of businesses in our community — you can find our offices in Reading, and our clients all around Pennsylvania.
As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.
We’re proud members of the Reading marketplace, and we’re committed to being an advocate for you and your business in times of need.
To talk with one of our helpful team members about your business insurance needs, contact us today.
You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Berks County Insurance Group, Inc. can help.
A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.
Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Berks County Insurance Group, Inc. will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us today!
In addition to advising you on the right coverage, we provide additional services, such as:
To see if your business qualifies for one of these special programs, contact Berks County Insurance Group, Inc. for more information. Give us a call at 610-779-9060.
One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.
A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Berks County Insurance Group, Inc. can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today.
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Berks County Insurance Group, Inc. a call today at 610-779-9060, and we’ll help you determine if you have enough commercial property insurance for your business.
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Berks County Insurance Group, Inc. to review your coverage, and we’ll help you find the best solution.
BUSINESS PERSONAL PROPERTY
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
BUSINESS INCOME (BUSINESS INTERRUPTION COVERAGE)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Berks County Insurance Group, Inc. strongly recommends that all businesses acquire this coverage.
ELECTRONIC DATA PROCESSING (EDP)
This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.
Based in Pennsylvania, Berks County Insurance Group, Inc. understands the business insurance needs of our customers. The right coverage for you is unique – call us at 610-779-9060 or contact us today to find out how to protect your business and your future with the right insurance.
The rising costs of lawsuits and judgments are important for today’s business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Contact Berks County Insurance Group, Inc. today about a commercial umbrella insurance policy.
PENNSYLVANIA – WHAT YOU NEED TO KNOW ABOUT COMMERCIAL UMBRELLA INSURANCE
Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other policies. In some cases, it even broadens your protection. Due to the unpredictable nature of jury awards, Berks County Insurance Group, Inc. recommends that your business insurance program include this coverage.
WHAT IS EXCESS LIABILITY COVERAGE?
This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.
WHO NEEDS EXCESS LIABILITY COVERAGE?
Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.
Talk to Berks County Insurance Group, Inc. today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at 610-779-9060 and we’ll help make sure you’re covered.
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.
Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.
Berks County Insurance Group, Inc. recommends that all businesses have general liability coverage in place. Request a quote or call us at 610-779-9060.
Take a look at the list below for additional liability coverages that you may want to consider.
PROFESSIONAL LIABILITY INSURANCE (ERRORS & OMISSIONS)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Berks County Insurance Group, Inc. recommends that all professional and technology companies have E&O coverage.
EMPLOYMENT PRACTICES LIABILITY INSURANCE (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Berks County Insurance Group, Inc. recommends considering this type of coverage.
DIRECTORS AND OFFICERS INSURANCE (D&O)
D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.
To find out more about these, as well as other products and services, call Berks County Insurance Group, Inc. at 610-779-9060 and we’ll help make sure you’re properly covered.
It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.
Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.
Use of Personal Vehicles
Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.
Every business is unique – talk to Berks County Insurance Group, Inc. today to find out how to get the best commercial auto insurance, service, price and value. Give Berks County Insurance Group, Inc. a call at 610-779-9060.
Additionally, this coverage protects an employer from being sued by an injured worker in most cases.
Berks County Insurance Group, Inc. can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you’ll see on the bottom line.
Coverage for office workers using their own vehicles on company business is often needed, as well. If you have employees, it is critical that you consider this workers compensation coverage.
PENNSYLVANIA – WHAT YOU NEED TO KNOW ABOUT WORKERS COMPENSATION INSURANCE
Some Workers Compensation coverage can include:
To find out more about this product and other products and services, contact Berks County Insurance Group, Inc. today by calling 610-779-9060.
We know that you can’t conduct business or win the job without the backing of a solid surety bond. That’s why we only work with the most reputable and trustworthy surety providers.
Berks County Insurance Group, Inc. partners with only the best sureties to give you outstanding products supported by value-added services to contractors and businesses.
Here are some of the types of bonds we can provide:
FINANCIAL INSTITUTION BONDS AND D&O COVERAGE
To find out more about our surety products and services, contact Berks County Insurance Group, Inc. today at 610-779-9060.
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“Aside from saving money on my insurance, the agent gave me a much better understanding of my coverage. I appreciate the good service.”
Gerry H. – Exeter, PA
“I called Berks County Insurance and was quoted a price on my auto insurance that was 40% less than my current plan with State Farm.”
John R. -Reading, PA