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Business Insurance
We guide local operators through liability, property, and compliance coverage with transparent recommendations and competitive carriers.
Common Questions
It depends on your business type. Most businesses need general liability as a baseline. Contractors typically add workers compensation. Service businesses often need professional liability. If you have vehicles, commercial auto is required. We help you identify the right combination for your industry and size.
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.
Blog
Guidance on commercial coverage, compliance, and protecting your business.
May 16, 2026
Commercial Property Insurance: Building, Equipment, and Income Coverage Guide
The coinsurance clause, replacement cost vs. ACV, and named vs. open perils are the three coverage decisions that determine whether a claim makes you whole. A complete guide for small business owners.
Read articleMay 8, 2026
Business Owner's Policy (BOP) The Smart Way to Bundle GL and Property Coverage
A BOP bundles general liability, commercial property, and business interruption insurance into one policy typically at a lower rate than buying them separately.
Read articleMay 6, 2026
Commercial Auto Insurance Why Personal Auto Does Not Cover Business Use
Personal auto policies deny business-use claims. Learn what commercial auto covers, PA minimum limits, HNOA explained, cost by vehicle type, and 8 premium factors — with real data from Insureon, Progressive, and the PA PUC.
Read articleLocal Coverage
Dragon Insurance Services is an independent business insurance agency at our Camp Hill, PA office at 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011. We help businesses in Camp Hill, Lemoyne, Harrisburg, Mechanicsburg, and throughout Cumberland County find the right commercial coverage from 30 plus carriers.
From general liability and BOP to commercial trucking and workers compensation, we compare options for your industry and size. Call 717-229-5115 or request a quote and we typically respond within 1 hour.
Locally based in Camp Hill, PA — serving clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky. Camp Hill, Lemoyne, Harrisburg, Mechanicsburg, and Enola are our primary local area.