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Pack up for the Pennsylvania 2024 Summer Learning and Literacy Road Trip

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Pack up for the Pennsylvania 2024 Summer Learning and Literacy Road Trip


WILKES-BARRE — Pennsylvania Department of Education (PDE) Secretary Dr. Khalid N. Mumin and Department of Conservation and Natural Resources (DCNR) Secretary Cindy Adams Dunn this week announced the third annual Pennsylvania Summer Learning and Literacy Road Trip, which provides virtual early learning and literacy activities for kids that inspire kids to read and learn more about the great outdoors.

The Summer Learning and Literacy Road Trip is an eight-week virtual road trip throughout Pennsylvania, geared towards families with young children up to kindergarten age — but easily adaptable for older kids.

Resources include the Road Trip Map and the Road Trip Travel Journal and highlight the Pennsylvania State Parks and Libraries with book recommendations from librarians and family friendly activities. Activities can be done anywhere, so every family can take part, no matter where they live.

“Pennsylvania has an amazing park system with educators at most locations. This road trip is a great way to encourage learning and reading while exposing children to new ways to learn and new experiences in nature,” said Secretary Mumin. “Collaborating with our sister agencies to promote fun learning opportunities for Pennsylvania’s youngest minds will help them stay engaged during the summer months when school is not in session.”

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“Outdoor education is a major part of DCNR’s Bureau of State Parks mission and we are excited to have eight state parks participate in this years’ Summer Literacy Road Trip,” said Secretary Adams Dunn. “This will help connect the newest generation of readers to the great outdoors, which will create memories and help to influence the next generation of nature enthusiasts. We look forward to welcoming visitors this summer to all 124 state parks across the Commonwealth.”

Road Trip resources, in both English and Spanish, can be found on the PA Promise for Children website.

Pennsylvania’s Summer Learning and Literacy Road Trip was developed by the Office of Child Development and Early Learning (OCDEL) and all activities complement the PA Early Learning Standards and can be done anywhere.

“At OCDEL, we are always trying to make learning and literacy more accessible and exciting to early learners and the Summer Learning and Literacy Road Trip does all that and more,” said OCDEL Deputy Secretary Shante’ Brown. “This virtual road trip is so much fun for the whole family and hopefully brings some education and nature into things you’re already doing.”

This year’s Road Trip theme represents elements from the 2024 Pennsylvania One Book selection, Slug in Love by Rachel Bright. Look through the travel journal and map to find friends from the book who tag along on the Road Trip.

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State officials visit small businesses in Danville for Main Street Matters program

Department of Community and Economic Development (DCED) Deputy Secretary Rick Vilello this week joined local leaders in touring small businesses in downtown Danville, Montour County, to highlight proposed investments by Gov. Josh Shapiro to support main streets, downtown business districts, small businesses, and local communities across Pennsylvania.

Gov. Shapiro and his Administration are working to strengthen the Commonwealth’s communities and Main Streets, including a $25 million proposal in the governor’s 2024-25 budget proposal for the new Main Street Matters program.

“Gov. Shapiro’s call for $25 million for the Main Street Matters program is an investment that our Pennsylvania communities deserve,” said Vilello. “The Main Street Matters program will give communities, like Danville, the resources they need to create vibrant, resilient main streets and downtowns where people want to live, visit, and work.”

Main Street Matters, which builds upon and modernizes the existing successes of the Keystone Communities program, will be administered through DCED.

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Gov. Shapiro recently announced nearly $7 million in Keystone Communities grants to support 49 community improvement projects in 25 counties across the Commonwealth — after receiving 117 applications for the program requesting more than $24 million in funding.

“The Governor’s proposed $25 million for the Main Street Matters program is a game-changer for communities like ours,” said Rebecca Dressler, Executive Director of the Danville Business Alliance. “This investment will provide our small businesses with the support they need to thrive and will help us to continue creating a vibrant, welcoming downtown that attracts visitors and fosters economic growth. In Danville, our downtown fosters a strong sense of community, supports local entrepreneurship, and preserves our unique heritage. We are grateful for the Governor’s commitment to strengthening our main streets and are excited about the positive impact this program will have on our community.”

Run by DCED, the Keystone Communities program encourages the creation of partnerships between the public and private sectors that support the growth and stability of neighborhoods and communities; social and economic diversity; and a strong and secure quality of life. Local governments, redevelopment and housing authorities, nonprofit organizations, community development corporations, and business, neighborhood, and downtown improvement districts are all eligible to apply for this grant funding.

The Governor’s 2024-25 budget calls for significant investments directly tied back to Pennsylvania’s first Economic Development Strategy in nearly two decades.

In addition to the $25 million to create the Main Street Matters program, other proposed economic development investments in the Governor’s budget include: $500 million in PA SITES funding to bring more commercial and industrial sites to Pennsylvania; $20 million to support large-scale innovation and leverage Pennsylvania’s best-in-class research and development assets; and $3.5 million to create and launch the Pennsylvania Regional Economic Competitiveness Challenge to incentivize regional growth.

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Rep. Cabell to host Senior Expo Aug. 1 at Misericordia

Rep. Mike Cabell, R-Butler Township, will host a Senior Citizens Expo on Thursday, Aug. 1, in Dallas.

The expo will take place from 10 a.m. to 1 p.m. at Misericordia University’s Insalaco Hall, 301 Lake St.

The expo will feature dozens of exhibitors from nonprofit agencies; local, state and federal governments; and area businesses that will provide information on benefits and services available to older residents on a wide range of topics, including health care, insurance, nutrition and exercise, fire safety, financial planning, fraud protection, government, personal safety and more.

Free health screenings will be offered, courtesy of area health care providers, including blood pressure and hearing. Special sessions will be available with experts on specific topics such as cyber security, financial scams, elder law and senior driving laws.

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Seniors can also take part in a tai chi presentation, which is a form of “gentle exercise” that benefits physical and mental health.

Finally, a Treasury Department representative will be on hand to help seniors search for any unclaimed property being held by the state.

For information, contact Cabell’s district office in Dallas at 570-675-6000.

Deluzio looks to lower prescription costs, protect patients and small pharmacies

U.S. Rep. Chris Deluzio, D-Pittsburgh, this week met with independent pharmacists from his congressional district and across Western Pennsylvania to discuss the impacts that Pharmacy Benefit Managers (PBMs) are having on both patients’ prescription bills and the pharmacies themselves.

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Deluzio heard from local pharmacists that PBMs are often involved in marking up the cost of prescription drugs for patients, pushing pricier medications, and even limiting where patients can fill their prescriptions. Many meeting participants shared stories about how PBMs frequently steer customers toward their own chain pharmacies—hurting the bottom lines of independent pharmacies and to the inconvenience of many customers.

“I will always fight back against big corporations trying to rip off the American people and trying to play games with people’s healthcare,” Deluzio said. “I am glad I had a chance to hear directly from local, independent pharmacists about the impacts that Pharmacy Benefit Managers have both on their patients and their own ability to conduct business in our communities. We have to stand strong against out-of-control corporate power to lower healthcare costs and protect our small businesses.”

Deluzio is a co-sponsor of the HELP Copays Act and the PATIENT Act. The HELP Copays Act would protect patients from harmful insurance and Pharmacy Benefit Manager practices that raise patient out-of-pocket drug costs, and the PATIENT Act would expand hospital price transparency requirements and establish additional reporting requirements with respect to prescription drugs and PBMs.

Municipal Police Officers’ Commission accepting letters of interest for academies

The Municipal Police Officers’ Education and Training Commission (MPOETC) will begin accepting letters of interest for potential new Act 120 police academies on Aug. 1, the commission announced.

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“Those interested in opening a new police training academy should submit an initial letter of interest for review by MPOETC staff,” said Major William Brown, executive director of MPOETC. “The staff will conduct studies to determine the police population in the area and if there is currently adequate police training available. The Commission will then vote to accept full application packages from potential schools in areas where there is a demonstrated need for a new academy.”

MPOETC voted to accept letters of interest for new academies during its June 2024 quarterly meeting.

The initial form — MPO-246-New School Letter of Interest Application — can be found on the Commission’s website.

Letters of interest will be accepted from Aug. 1 to Nov. 30, 2024. Completed forms should be emailed to [email protected].

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Reach Bill O’Boyle at 570-991-6118 or on Twitter @TLBillOBoyle.





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Pennsylvania

Pennsylvania State Police corporal shot, wounded while serving warrant

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Pennsylvania State Police corporal shot, wounded while serving warrant


LANCASTER, Pennsylvania — A Pennsylvania State Police corporal serving a warrant on Wednesday morning in Lancaster was shot in the arm by the suspect, state police said.

The corporal, who was not identified, was taken to the hospital with a non-life-threatening wound, while the suspect was taken into custody at the scene by other members of the law enforcement team serving the warrant, state police said.

The suspect was not identified, and police did not say what charges may be filed in connection with the alleged shooting.

Police did not fire their weapons in the confrontation, which happened shortly after 6 a.m., state police said.

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State police were investigating and said the corporal was in stable condition at Lancaster General Hospital.

Copyright © 2024 by The Associated Press. All Rights Reserved.



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Old Farmer’s Almanac fall forecast; what it says for Pennsylvania

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Old Farmer’s Almanac fall forecast; what it says for Pennsylvania


As the country is still sweltering from above-average temps this summer, Pennsylvania will be sliding into a cool fall, according the Old Farmer’s Almanac.

The Old Farmer’s Almanac released its annual fall forecast, predicting below-average temperatures for Pennsylvanians, while the majority of the country to the west, is forecast to see above-average temps.

Precipitation, on the other hand is forecast to be higher for Pennsylvania, as opposed to lower precipitation for the rest of the country.

The Old Farmer’s Almanac has been making annual, long-term weather predictions since 1792 by comparing solar activity with weather patterns, claiming 80% accuracy. A University of Illinois study found it was only about 52% accurate.

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What is the average fall temperature for Pennsylvania?

These are the average fall season temperatures, according to the National Weather Service:

  • September sees an average of 67.9-degrees
  • October sees an average of 55.8-degrees
  • November sees an average of 44.8-degrees
  • December sees an average of 35.8-degrees

What about rainfall?

While most of the country is predicted to see less precipitation, Pennsylvania and a swath of the Ohio Valley are forecast to get higher than average rainfall or snow in the fall.

What does this mean for the fall foliage?

This year’s prediction for fall peak color, comes a little earlier by October 11.

Leaves start changing colors in September, lasting through early November with peak season falling around the second to third week of October, depending on where you live and the weather conditions.

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Small Business Insurance Pennsylvania

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Small Business Insurance Pennsylvania


Are you starting a small business in Pennsylvania? Securing top-notch business insurance is essential to keeping your venture strong and steady. Numerous options are available in the Keystone State, covering industries from retail to tech startups.

A tailored policy can protect your enterprise from unexpected losses due to accidents, natural disasters, or legal issues. Curious about the best options? We’ve curated a list of the seven top companies providing solid insurance for small businesses in Pennsylvania.

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For example, NEXT is a crowd favorite for creating coverage that addresses your business’s needs. Explore this guide to find the insurance provider that fits your budget and business vibe, safeguarding your business against unforeseen challenges.

>> Secure Your Future – Get Covered With NEXT! >>

Business Insurance Obligations in Pennsylvania

In Pennsylvania, state regulations mandate certain types of insurance for small businesses, though not all coverage is required. Different industries have unique insurance needs, which can vary locally within the state.

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Workers’ Compensation

Workers’ compensation insurance is mandatory for businesses in almost every state, including Pennsylvania. However, the rules on who qualifies and when it must be provided can vary. Pennsylvania requires this insurance for all seasonal, part-time, or full-time workers as long as there’s at least one employee.

This requirement applies to businesses whose employment agreements start in Pennsylvania, even if an injury occurs out of state. This is true even if the workers’ comp laws of the other state wouldn’t normally apply.

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Pennsylvania employers must also post a notice displaying contact details for workers’ compensation claims. This includes the responsible party’s name, address, and phone number, along with instructions on how employees can obtain more information. Non-compliance or failure to post this notice can result in fines from the Pennsylvania Bureau of Workers’ Compensation.

Workers’ comp is crucial as it supports employees who suffer work-related injuries or illnesses. It helps with wage replacement during recovery, covers medical expenses, and supports programs to assist them in returning to work. In Pennsylvania, it also typically provides liability protection for employers.

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Commercial Auto

In Pennsylvania, commercial auto insurance is mandatory, though the coverage limits are relatively low. The required coverages for vehicles include:

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  • Bodily injury: $15,000 per person and $30,000 per accident as the maximum limit
  • Property damage: $5,000 per accident
  • No-fault medical payment coverage: $5,000

This medical payment coverage is similar to the Personal Injury Protection (PIP) in other states. It covers medical costs and compensation for lost wages and household services.

>> NEXT Solutions for Comprehensive Coverage >>

Top 7 Companies for Small Business Insurance 

NEXT

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(credit: PR)

NEXT Insurance provides various business insurance products, including general liability, commercial property, commercial auto, workers’ compensation, professional liability, and tools & equipment coverage. These products can be activated immediately online or with personalized assistance from a U.S.-based advisor.

NEXT Insurance stands out with its advanced digital tools for policy management. These tools allow for the easy sharing of live certificates and the addition of insured parties at no additional cost. Clients can choose monthly payments and save up to 25% on premiums.

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Founded in 2016 in Palo Alto, California, NEXT Insurance boasts an A- (Excellent) financial strength rating from AM Best. The company leverages artificial intelligence and machine learning to streamline the insurance procurement, offering rapid and efficient coverage for over 1,300 business types.

In Pennsylvania, NEXT Insurance is popular for its tailored, affordable policies, streamlined online processes, and flexible coverage options, making it an ideal choice for small businesses and entrepreneurs.

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>> Get Your Business Insured With NEXT! >>

Hiscox

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Hiscox is a top choice for freelancer insurance among small commercial insurers. It offers customizable policies that include a business owner’s policy (BOP) covering business interruption, electronic data loss, and professional liability. 

Freelancers can choose standalone professional or general liability insurance tailored to short-term projects. Hiscox also offers monthly payment plans to help freelancers manage cash flow more effectively. 

Although the company has faced a higher volume of complaints in the past three years, it continues to improve customer satisfaction, backed by its A (Excellent) rating from AM Best for financial strength. Hiscox provides easy access to insurance quotes and claims filing online or by phone with a 24/7 online claims service.

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Founded in 1901 and based in Atlanta, Hiscox USA is part of the larger Hiscox Group, which employs over 3,000 people globally. The company’s BOPs start at around $500 annually, demonstrating its commitment to small businesses through tailored policies and user-friendly online interfaces. This makes Hiscox a dependable and efficient choice for business insurance, especially recommended in Pennsylvania.

Hiscox’s dedication to robust coverage options and convenient service underscores its reputation as a reliable insurer for freelancers and small businesses.

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>> Get Your Business Insured With Hiscox! >>

Simply Business Insurance

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Simply Business simplifies the process of comparing quotes and coverage from top providers like Hiscox Insurance Company, helping you find the best fit for your needs. You can explore policy options online in less than 10 minutes, and their licensed agents are available by phone for extra help or questions.

Ideal for businesses and sole proprietors, Simply Business offers customized insurance recommendations tailored to your specific industry, whether landscaping, accounting, or photography.

While Simply Business doesn’t handle claims directly, managed by the provider you select, they’re available to assist with any issues, such as obtaining new copies of your policy documents or connecting you with your insurance provider for further assistance.

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Simply Business is an excellent choice for business insurance in Pennsylvania, thanks to its wide range of customizable insurance products, user-friendly online services, and comprehensive understanding of small business needs.

>> Get Insured With Simply Business Insurance! >>

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Tivly

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Tivly provides a streamlined online platform for exploring various business insurance policies. Enter your details on their website for a quote tailored to your business needs. Partnering with over 200 insurance providers, including well-known names like Progressive and The Hartford, Tivly ensures you find the provider that best suits your requirements, particularly for protecting your financial interests.

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At Tivly, you can obtain essential coverage options such as business income insurance and liability coverage, which are crucial for safeguarding your enterprise.

Tivly is an excellent choice for business insurance in Pennsylvania. It stands out for its local expertise, a wide range of customized insurance products, personalized customer service, and efficient policy management process. These features make Tivly a trusted and convenient option for Pennsylvania businesses seeking comprehensive coverage.

>> Get Your Business Insured With Tivly! >>

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CoverWallet

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Finding business insurance can often be time-consuming, requiring significant effort to gather and evaluate quotes and coverage options. CoverWallet, however, simplifies this process by providing easy access to quotes from top insurers like Hiscox and Progressive.

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At CoverWallet, you can consult with an insurance advisor or obtain quotes directly. They offer various coverage options, including workers’ compensation, general liability, and commercial property insurance, ensuring comprehensive protection for all aspects of your business.

Once you’ve selected your coverage, you can manage your policies through MyCoverWallet. This online dashboard allows you to issue insurance certificates, file claims, and pay premiums, keeping your policies organized and easily accessible.

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CoverWallet also provides extensive educational resources, offering coverage recommendations tailored to different industries and deeper insights based on industry type, location, number of employees, and annual revenue

CoverWallet stands out as an excellent choice for business insurance in Pennsylvania, thanks to its user-friendly platform for comparing insurance quotes, personalized advisory services, and a broad range of insurance products that facilitate efficient and effective business insurance management.

>> Get Your Business Insured With CoverWallet! >>

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Progressive Business Insurance

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Progressive Business Insurance is well-regarded as a reliable car insurance provider, making it an excellent choice for businesses with commercial fleets. Due to Progressive’s extensive coverage options, it’s particularly advantageous for trucking companies operating tractor-trailers and long-haul semi-trucks.

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Businesses operational for at least three years can enjoy up to a 5% discount on premiums. Paying your commercial auto policy in full upfront can lead to a 15% discount.

Progressive offers more than just commercial vehicle insurance; they provide cyber insurance, business owner policies, professional liability, workers’ compensation, and general liability insurance. Their “any auto coverage” includes any vehicles owned and used by you or your employees for business purposes.

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Progressive Business Insurance is highly recommended for businesses in Pennsylvania because of its wide range of coverage options that are suitable for various business sizes and types. 

Their flexible policies allow business owners to customize coverage to fit their specific needs, including liability, property, and vehicle insurance. Progressive is also noted for its competitive pricing and discounts, especially when bundling different types of insurance.

>> Get Insured With Progressive Business Insurance! >>

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The Hartford Business Insurance

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Founded in 1810 and based in Hartford, Connecticut, The Hartford stands out as a top choice for workers’ compensation insurance in the US, especially for small businesses. This company offers a wide array of insurance solutions to meet the diverse needs of businesses, from large corporations to sole proprietors.

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Their portfolio includes event insurance, directors and officers liability, business income loss, employment practices liability, flood insurance, bonding and surety, restaurant insurance, and technology errors and omissions, among other plans.

Hartford enhances its offerings with a robust network of medical professionals and data-driven tools to aid in the quick recovery of injured workers. It also features a pay-as-you-go billing system that calculates payments based on actual payroll, helping to prevent overpayments.

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Its deep industry knowledge and commitment to balancing coverage with cost-effectiveness make it a top choice. In Pennsylvania, The Hartford is celebrated for its extensive coverage options that cater to businesses’ diverse needs. 

It’s recognized for exceptional customer service and reliability and offers key solutions such as workers’ compensation, property insurance, and liability coverage are crucial for businesses in the state.

With a longstanding industry reputation and proficient claim handling, The Hartford is a trusted partner for business owners seeking comprehensive protection and assurance.

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>> Get Your Business Insured With The Hartford! >>

Additional Insurance Options for Small Businesses in Pennsylvania

Although Pennsylvania mandates only workers’ compensation and commercial auto insurance, these requirements don’t provide complete protection. Additional insurance tailored to your specific business operations may be essential.

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Professional Liability

Beyond the essential general liability, professional liability insurance, also known as Errors & Omissions (E&O), is crucial for service-oriented industries. For instance, if you run a financial planning or architecture firm in Pennsylvania, E&O insurance is vital. It protects against negligence claims related to advice or contract fulfillment, covering areas that general liability does not.

General Liability

Commercial general liability insurance, commonly known as general liability, offers broad protection against third-party claims for your business. Although not mandatory throughout Pennsylvania, certain industries must have this insurance to obtain state licensure.

Local governments may impose specific requirements. For example:

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  • Daycares must have general liability insurance with a minimum limit of $1 million per occurrence and $3 million total
  • Electricians in Pittsburgh and Philadelphia must have policies with minimum limits of $300,000 and $500,000, respectively
  • HVAC technicians must provide proof of insurance that covers personal injury and property damage, with a minimum of $50,000 for each

General contractors and painters also face specific insurance requirements, though the exact amounts for painters are yet to be detailed.

Besides legal requirements, having general liability insurance is crucial when bidding on projects, renting spaces, or participating in events across Pennsylvania. Typically, proof of coverage through a certificate of insurance is needed.

General liability insurance primarily covers:

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  • Bodily injury
  • Property damage
  • Personal and advertising injury

It often includes additional protections such as product liability, which covers damages from goods manufactured or distributed by your business, and premises damage for rented business locations.

Commercial Property Insurance

This insurance extends beyond liability to protect your business’s physical assets. Whether you own a building, lease office space, or store inventory in a warehouse, commercial property insurance is essential. It may also cover tools and equipment, although some items might require a separate inland marine policy.

Policies are often “all risk,” covering all losses except those explicitly excluded. Alternatively, some are based on a named-peril approach, restricting coverage to specific incidents occurring at designated locations.

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Business Owners Policy (BOP)

Ideal for small enterprises in Pennsylvania, a Business Owner’s Policy (BOP) combines general liability and commercial property insurance, often at a reduced rate due to bundling. This policy provides comprehensive protection in one package, typically well-suited for businesses generating less than $5 million in revenue or those with under 100 employees.

Inland Marine Insurance

Inland marine insurance is crucial for industries reliant on tools or equipment, as it covers items outside of a fixed location. This insurance is perfect for mobile businesses such as painters or contractors, providing protection for tools while they’re in transit or “on the go.”

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Commercial Umbrella Insurance

For businesses exposed to high liability risks, commercial umbrella insurance offers an additional layer of security. It activates when the limits of primary liability coverage are exceeded, providing extra protection against large claims.

Cyber Liability Insurance

In the digital era, cyber liability insurance is essential for addressing both first and third-party risks related to data breaches. This coverage helps manage the consequences of a breach, such as customer lawsuits and regulatory fines.

Employment Practices Liability Insurance (EPLI)

EPLI protects against claims arising from employment practices, such as wrongful termination or discrimination. In today’s legal environment, this type of protection is crucial for any business.

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Each of these insurance types offers specialized protection tailored to specific business risks, making them valuable considerations beyond the required coverages in Pennsylvania.

>> Get Started With NEXT >>

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Costs of Business Insurance in Pennsylvania

If you’re steering a small business in Pennsylvania, brace yourself for the intricacies of insurance costs. Premiums aren’t arbitrary; they depend on your industry, business size, and claims history. We’ve gathered quotes from various brokers and carriers, revealing some interesting figures for businesses with up to three employees and annual earnings under $250K.

Here’s the breakdown by industry:

  • Handypersons: These professionals face higher premiums, ranging from $2,766 to $3,878 annually. They often choose a Business Owners Policy (BOP) that provides $1 million coverage per incident and $2 million, with $30,000 for property damage and a $1,000 deductible.
  • Photographers: They have lower premiums, between $310 and $409 annually. Their preferred choice is general liability, offering the same generous coverage limits.
  • Restaurateurs: Expect premiums ranging from $3,925 to $6,897 annually. Like handypersons, they typically select a BOP with extensive coverage.
  • Landscapers: Their premiums range from $2,184 to $2,675 for general liability, maintaining consistent coverage limits similar to other industries.

Insurers consider several factors when determining your premium:

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  • Your location in Pennsylvania, including the county
  • Your annual revenue and payroll size
  • Your claims history
  • Your risk management practices and staff training
  • Your business experience
  • Your previous insurance records

Insurance is more than just a requirement. It’s a crucial element of your business strategy. Choosing the right policy can help ensure smoother operations and protection against unforeseen events.

>> Ensure Your Business’s Future With NEXT >>

How to Obtain Business Insurance in Pennsylvania?

Exploring small business insurance options in Pennsylvania can lead you down various paths, each tailored to different needs. Here are three primary routes to consider:

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Provider

Firstly, you could go directly to the insurance provider, also known as a carrier. Some carriers distribute their policies only through agents or brokers, while others sell directly to customers and may even offer online quote generation. Opting for direct-to-consumer routes could save you money by eliminating agent or broker commissions.

Agent

NEXT, you have the option of working with an agent. An agent acts as an intermediary between the insurance company and potential policyholders. There are “captive agents,” who represent only one insurance company, and “independent agents,” who work with multiple insurers. For example, State Farm primarily uses captive agents, whereas Liberty Mutual typically engages with independent agents.

Broker

Choosing a broker also suits your preferences. Brokers represent you rather than the insurance company. They typically collaborate with multiple carriers and guide to help you secure the best insurance deal possible. 

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For instance, Simply Business is a broker that connects with several top-rated carriers, focusing on finding the ideal Pennsylvania business insurance for your specific needs.

Whether you decide to go direct, work with an agent, or engage a broker, Pennsylvania offers various avenues to ensure your business is well-protected. Choose the route that best suits your needs and preferences!

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>> Get Insured Today With NEXT! >>

The Importance of Insurance for Pennsylvania Small Businesses: Statistics and Insights

Pennsylvania stands out for its size and population. It ranks as the fifth most populous state and boasts the sixth-largest economy in the U.S., primarily fueled by small businesses.

Here are some compelling statistics about Pennsylvania’s small businesses:

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  • The state hosts 1.1 million small businesses, making up 99.6% of all businesses
  • These enterprises employ 2.6 million people, 46.2% of the state’s workforce
  • Notably, 88.2% of the state’s exports come from 13,134 small businesses
  • In 2022, these small firms exported goods valued at an impressive $10.7 billion
  • Most of these businesses are owner-operated, employing 872,647 people
  • The leading sector is professional, scientific, and technical services, employing 125,179 workers
  • The construction sector is also significant, supporting 95,099 workers

Small business insurance is crucial in Pennsylvania, playing a key role in maintaining this dynamic economic landscape. It helps manage business interruptions and supports injured workers by covering their wages, thus significantly bolstering the state’s financial health.

>> Ensure Your Business’s Future With NEXT >>

Frequently Asked Questions – Small Business Insurance Pennsylvania

What Type of Insurance Is Mandatory in Pennsylvania?

In Pennsylvania, employers must carry workers’ compensation insurance for their employees. Additionally, businesses that own vehicles must have commercial auto insurance.

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How Can I Submit a Complaint About Business Insurance in Pennsylvania?

To file a business insurance complaint in Pennsylvania, contact the Pennsylvania Department of Insurance. Complaints can be made online or by calling (877) 881-6388.

Is It Necessary to Have Workers’ Compensation Insurance in Pennsylvania?

Yes, Pennsylvania law mandates that all businesses with employees have workers’ compensation insurance, even if they have just one part-time worker.

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>> Check Out NEXT >>

Bottom Line – Small Business Insurance Pennsylvania

Pennsylvania, with its deep historical roots as one of the original colonies and a venue for constitutional conventions, now boasts the sixth-largest economy in the nation. Small businesses are the backbone of this economy, making business insurance essential.

Simply Business understands the importance of insurance and has streamlined the process of obtaining it online to be both straightforward and economical. 

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In just ten minutes, you can explore real-time quotes from leading insurers like NEXT, customize your coverages, and secure a policy online. Alternatively, you can call one of their expert agents for assistance.

>> NEXT Solutions for Comprehensive Coverage >>

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