Business Insurance

Liability, E&O Protection, and more.

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You’ve worked hard to build your business.  It’s super-important to protect it (and yourself) against liability, frivolous claims, and other risks.

  • Call us to learn about business coverage and to get protected.
  • Once we’ve provided insurance coverage, call us if you need help with a claim.

We offer coverage for blanket liability, errors & omissions, commercial auto, worker’s compensation, property insurance, and more.

Business Insurance

Protect Your Business

An Ounce of Prevention is Worth a Pound of Cure.

One of the biggest mistakes small businesses and startups make is assuming that they’re “not big enough” to worry about insurance coverage.  One of the biggest mistakes large and established companies make is being underinsured for their risk exposure.

Whether your business is a storefront, an office environment, or an at-home operation, it’s crucial to protect yourself, your officers, your employees, and your company.

There is a lot of joy and satisfaction in owning a successful business.  But there are potential offsets that make it necessary to carry insurance coverage for your peace-of-mind.  Employees (both management and crew) make mistakes, sometimes by accident and sometimes out of malice.  People get injured on the job.  Customers get angry.  Workers get disgruntled.  Accidents happen, and property gets damaged, destroyed, or stolen.

You can worry less and focus on productivity by carrying adequate insurance protection.  You may not be able to prevent a claim against you, but if you’re properly covered, you can avoid setbacks (or financial disaster) via your commercial insurance policies.

What You Need to Know About Business Insurance

We offer a vast array of commercial protection.  Here are some of the most common types of commercial insurance and what they mean for your business.

Frequently Asked Questions

General Liability Insurance

Yes.  Normally, it is difficult for businesses or general contractors to work without general insurance.  General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources.  These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, three million dollars (or some other amount), determines the cost of general liability insurance.  Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses.  Similar to auto insurance, when it comes to general liability insurance you will first have to make a down payment and then follow it up with installments.  Before buying general liability insurance, it is best to compare the quotes available in the market.

It is the business owner’s or general contractor’s job to make sure that the people working under him/her are covered by an insurance policy.  If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project.  The more individuals that are involved, the greater the chances of a successful lawsuit.

Commercial Umbrella Insurance

Yes.  If you own a business, you probably own some form of general liability insurance to protect you in the event of a lawsuit due to negligence on your part.  However, there may be situations where the limits of your general policy may not provide adequate protection.  A commercial umbrella can provide you and your business with additional liability protection.

Yes.  Be sure to check out our automobile insurance page for more information.Auto Insurance

Workers’ Compensation Insurance

Yes.  Workers’ compensation insurance protects employers from claims resulting from injuries to employees.  It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses.  For many businesses, workers comp coverage is the largest part of its insurance expense.

Commercial Property Insurance

Yes.  Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company.  “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism.  It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

Testimonials

Here’s what our happy clients had to say about our services:

Another happy customer!

Kate Lewis

Best insurance company around!

Kelly Johnson

Bratton Insurance has always been there to meet my family’s needs.  I know I’m in great hands with my home & auto policies, as well as RV and business insurance.  They’ve always been there for me,...

Tom Elliott

Always a pleasure to work with, and they take great care of you.

Harold Green

Lots of great things to say about Brattons!

Grant Harvey

Get Your Free Quote Today!

Give us a call and learn how we can save you money!

  • 717-589-3278 (Millerstown, PA)

  • 717-436-8500 (Mifflintown, PA)

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