Small Business Insurance: Commercial Coverage for Modern Businesses

A BOP bundles general liability and commercial property coverage into one policy typically at a lower combined cost than buying each separately. It is designed for small to mid-size businesses and is one of the most common starting points for new business owners.

Yes, if your employees drive for business purposes. Personal auto policies typically exclude business use, meaning a claim during a work-related drive could be denied. Commercial auto covers vehicles owned, leased, or regularly used by your business.

Pricing depends on your industry, annual revenue, number of employees, claims history, and coverage limits. We compare 30+ carriers to find competitive options for your specific situation contact us for a no-pressure quote.

Usually not. Most homeowners policies exclude or significantly limit coverage for business property and business liability. Home-based businesses typically need a business endorsement or a separate business policy to be properly covered.

Quotes are ready in as little as 1 hour for most business types. More complex coverage like commercial trucking or workers comp may take a bit longer. We will confirm timing after reviewing your details.

LLCs typically need general liability at minimum, which protects against bodily injury and property damage claims. If you have employees, workers compensation is usually required by law. Service-based LLCs should also consider professional liability. A Business Owner's Policy (BOP) can bundle GL and property at a lower combined cost.

Yes. Most clients and contracts now require proof of general liability insurance before work begins. Contractors should also consider professional liability if they provide advice or specialized services, and commercial auto if they use a vehicle for work. We can help contractors in all seven states we serve find the right combination.

Dragon Insurance is an independent agency in Camp Hill, PA, licensed to serve businesses in Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. Call 717-229-5115 or request a quote online we typically respond within 1 hour and can complete everything remotely.