Everything important. All covered under one roof.

We’ve helped thousands of Lehigh Valley, Quakertown and Bucks County families manage life’s everyday risks for more than 75 years.

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Business Insurance

For All You’ve Accomplished.

You invest tremendous time and effort in building up your business. Let us help you take the right steps to keep it secure. Our business insurance unit includes direct appointments to Erie Insurance, The Hartford, Utica National, and Progressive Casualty, along with relationships with several specialty companies to handle any commercial need.

Business Insurance Coverages:

Small Businesses

Builders’ Risk

Coverage For Construction Sites.

Builders risk insurance is a type of property insurance that protects buildings and construction projects during construction or renovation.


Keep Things Running, No Matter What.

Business interruption insurance is optional coverage that helps businesses pay for financial losses when they can’t operate due to a covered event.


Shaken, Not Stirred.

Business earthquake insurance protects a business from damage caused by an earthquake to its building and property, including inventory or equipment.

Surety Bond

A Must For 1099 And Contractors.

A surety bond is a promise to be liable for the debt, default, or failure of another.


For The Rest Of The Gaps.

Business umbrella insurance is an extra layer of liability protection for businesses that goes beyond the limits of other liability policies.


For The Company Car Or Fleet.

A business automobile policy (BAP) provides coverage for a company’s use of cars, trucks, vans, and other vehicles in the course of carrying out its business.


Are You Equipped For Equipment Failure?

Technology insurance is an errors and omissions coverage that helps cover errors, omissions, mistakes, and negligence in technology services or products provided.

Workers’ Compensation

Protection In Case Of Employee Injury.

Workers’ compensation insurance is a type of business insurance that provides benefits to employees who are injured or become ill as a result of their job.


Coverage For Your Important Places.

Property insurance is a policy that protects the owner or renter of a property from damage or loss due to certain perils.

Key Person

You Can’t Put A Price On Leadership.

Key person insurance is a life insurance policy that a business purchases to protect itself if a key employee, partner, or owner dies or becomes disabled.

By Trade


Policies For Every Project.

Contractor insurance is a collection of policies that protect a business from financial losses if someone files a claim. It can cover risks such as accidents, lawsuits, lost income, and damaged tools.


Vehicle Protection For Private Carriers.

Trucking insurance is a set of auto insurance policies that protect trucking businesses and drivers from financial risks related to accidents, cargo damage, and liabilities.

Wholesalers & Distributors

Loss Prevention For Logistics Companies.

This insurance is customized to protect against risks unique to the industry, such as managing equipment, inventories, and facilities.

Hotel & Motel Hospitality

Take The Guesswork Out Of Guest Service.

Hotel and motel hospitality insurance refers to policies designed to protect the unique risks of the hospitality industry, including property damage, theft, vandalism, food contamination, and more.

Restaurant & Bars

Serve With Peace Of Mind.

This package of various coverages that protects against lawsuits from negligent service of alcohol, alcohol-related altercations and accidents, equipment failure, reputational risks, damage to your property or building, food contamination, and food delivery accidents.

Garages & Dealerships

You Love Your Cars. So Do We.

Garage liability insurance protects automotive companies like car dealerships, repair and customization shops, and parking garages against bodily injury and property damage claims resulting from the operations of their businesses.

Group Benefits

401(K) Retirement Plans

For The Back Nine.

A 401(k) plan is a qualified plan that includes a feature allowing an employee to elect to have the employer contribute a portion of the employee’s wages to an individual account under the plan.

Flexible Spending Accounts (FSA)

A Little Extra For Those Co-Pays.

A Flexible Spending Account (FSA) is an employee benefit that allows you to set aside money, on a pre-tax basis, for certain health care and dependent care expenses.

Long-Term Care

For Whatever Might Change.

Long-term care insurance (LTCI) is a type of private insurance that helps pay for services and support for people who can’t care for themselves due to age or illness.

Health Savings Accounts (HSA)

Choose How To Care For Yourself.

A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses.

Health, Dental & Vision

A Healthy Force Is A Happy Force.

Business health, dental & vision insurances are health plans that provide coverage to employees and their families of a business or organization.


Critical Policies For Critical Moments.

Disability insurance provides income in case a business owner or employee is unable to work due to an illness or injury that occurred away from work.

Health Reimbursement Arrangement

A Unique Way To Promote Employee Health.

Health Reimbursement Arrangements (HRAs) are account-based health plans that employers can offer to their employees. They reimburse employees for their medical expenses.


Peace Of Mind For Your People.

Business life insurance, also known as group life insurance policy, is a life insurance policy a company purchases for its employees.



Because Mistakes Happen.

Professional liability insurance (PLI) is a type of business insurance that protects businesses and their employees from claims of negligence or mistakes made while providing services or advice.


Whatever You Make, Make It Last.

Product insurance, also known as product liability insurance, protects businesses from legal costs and other expenses that may arise from a product causing injury or damage to a third party.


Because People Matter.

Employment practices liability insurance (EPLI) is a type of liability insurance covering wrongful acts arising from the employment process.

Kidnap & Ransom

For All Possible Threats.

Kidnap and ransom (K&R) insurance is a type of crime coverage that protects people and organizations from financial losses due to kidnapping, extortion, and ransom demands.


Liability Insurance For Bars, Clubs & More.

Liquor liability insurance protects businesses that sell, serve, or distribute alcohol from the risks of intoxicated customers.

Directors & Officers

Good Leadership Is Irreplaceable.

Directors and Officers (D&O) insurance is a type of liability insurance that protects company directors and officers from personal financial loss if they are sued for alleged breaches of duty or other wrongful acts.

Special Events

Insure A Good Time.

Special event insurance is an insurance policy that helps protect your investment in a specific event, such as a wedding.


Essential For Any Business.

General insurance, also known as non-life insurance, is a contract that protects against risks that are not covered by life insurance.


Can a small business get health insurance for its employees?

Yes, absolutely! Small businesses in Pennsylvania have options to get health insurance for their employees. Here’s a quick rundown:

  • Not Required: It’s important to note that in Pennsylvania, small businesses (generally under 50 full-time employees) are not required to offer health insurance to their employees.
  • Small Business Health Options Program (SHOP): If your business qualifies, you can explore the SHOP Marketplace, to compare plans from various carriers, potentially get tax credits to help with premiums, and offer a choice of plans to your employees.
  • Other Options: There are other avenues to consider, such as Health Reimbursement Arrangements (HRAs) or working with a broker like Warren Weiss Agency to explore plans with ERIE or other carriers that might be a good fit for your business and your employees.

The local, Quakertown-based customer service team at Warren Weiss Agency can help you navigate the different options for small business health insurance and find a plan that works for your company and your budget.

Can you get business insurance without a business license?

That depends. Here’s a short breakdown:

  • Sole Proprietors & LLCs: In some cases, sole proprietors and LLCs, especially those with no employees or physical storefront, may not need a business license to operate in their area. For these businesses, it might still be possible to get general liability insurance from Warren Weiss Agency.
  • State & Local Regulations: However, requirements can vary by state and even locality. It’s always best to check with your local government to see if a business license is needed for the type of business you’re operating.
  • Type of Business Insurance: The need for a business license can also depend on the type of business insurance you’re seeking. Certain specialized coverage may have specific licensing requirements.

Here’s how Warren Weiss Agency can help:

  • We can guide you on the general requirements for business licenses in Pennsylvania.
  • We can help you explore if general liability insurance might be available for your business without a license, depending on your circumstances.
  • If a license is required, we can help you navigate the process and find the right insurance options for your business needs with ERIE or other carriers we offer.

We recommend contacting a Warren Weiss Agency specialist to discuss your business and goals.

How do I evaluate my options for small business health insurance?

Evaluating small business health insurance involves considering several factors to find the best fit for your company and employees. Here’s a breakdown to help you navigate the process:

  1. Budget and Cost.
    • Employer Contribution: Determine how much your business is comfortable contributing towards employee health insurance premiums.
    • Employee Contribution: Decide whether your plan will require employee contributions to offset plan costs, and at what percentage(s).
    • Plan Design: Consider the trade-off between premiums, deductibles, and co-pays. Higher premiums often mean lower deductibles and co-pays, reducing employee out-of-pocket costs.
  2. Employee Needs.
    • Age & Health Status: Consider the average age and health of your employees to gauge their potential healthcare needs.
    • Dependents: Find out how many employees need coverage for dependents (spouses and children).
    • Plan Preferences: If possible, get some input from employees about their preferred plan features (e.g., network coverage, prescription drug coverage, etc.).
  3. Coverage Options.
    • Consider plans offered by Warren Weiss Agency through ERIE or our other carriers that might cater to your specific needs or budget.
  4. Additional factors.
    • Network Adequacy: Some insurance plans only cover specific regions, and that’s especially relevant to consider if you have remote employees working from different corners of the keystone state. Make sure the plan offers access to a sufficient network of doctors and hospitals in your employees’ area.
    • Customer Service: Consider the broker or carrier’s reputation for customer service to ensure your business and employees have adequate support. Warren Weiss Agency’s customer service team is local to Quakertown, and is available by phone, email, and walk-in appointment.

Here’s how Warren Weiss Agency can help:

  • We can compare plans offered by ERIE and other carriers to find the best fit for your needs.
  • We can answer your questions about deductibles, co-pays, and network coverage.

By considering these factors and consulting an expert at Warren Weiss Agency, you can make an informed decision about small business health insurance for your company.

What are the health insurance requirements for small business?

For Pennsylvania small businesses, there are currently no mandatory health insurance requirements, meaning businesses with under 50 full-time employees generally are not obligated to offer health insurance to workers.

However, that doesn’t mean there aren’t great reasons to consider offering health insurance. Small business health insurance can help you:

  • Attract & Retain Talent: Health insurance is a valuable benefit that can make your small business more attractive to potential employees and help retain your current team.
  • Gain Tax Advantages: Businesses that offer health insurance may qualify for tax credits to help offset the cost of premiums. Always consult a tax professional before making tax-driven decisions.

We recommend contacting a health insurance specialist at Warren Weiss Agency to discuss your circumstances and find the best course of action for your small business.

Is getting liability insurance for small business difficult?

No; getting general liability insurance for a small business typically isn’t difficult. Here at Warren Weiss Agency, we can help you navigate the process.

Here’s a breakdown of that process:

  • Obtain Quotes from Carriers: As a broker, Warren Weiss Agency can explore plans from ERIE and other carriers to find coverage that fits your needs and budget.
  • Risk Management Tips: We can also provide tips on managing risks in your business, which can potentially lower your premiums over time.
  • Application: The application process for general liability insurance is usually straightforward. We’ll ask you questions about your business type, number of employees, and potential risks to get you a quote.
  • Underwriting: Once you apply, the carrier’s underwriting team will review your application to assess the risk your business presents. This typically involves verifying information and may include additional steps for certain industries.
  • Approval and Quote: Based on the underwriting review, you’ll receive a decision from Warren Weiss Agency on your application. If approved, we’ll present you with a quote outlining the coverage details and premium costs.
  • Signing Policy Documents: If you decide to move forward, we’ll guide you through the process of signing the policy documents. This ensures you understand and agree to the terms of your general liability coverage.

Some other factors that might influence the application process include:

  • High-Risk Businesses: Businesses in certain industries considered higher risk, like construction or landscaping, might require additional underwriting steps.
  • Claims History: If your business has a history of filing claims, it could affect your rates or coverage options.

No matter your situation, Warren Weiss Agency can help:

  • Guide you through the application process for general liability insurance.
  • Work to find affordable coverage options with ERIE or other carriers.
  • Advise on risk management strategies to potentially lower your premiums.

If you have any questions about general liability insurance for your small business, contact a Warren Weiss Agency specialist. We’re here to help you get the coverage you need and protect your business.

Do I need to have an LLC to get business insurance?

No, having an LLC is not necessarily required to get business insurance. Business insurance protects your business from financial losses, regardless of whether it’s an LLC, sole proprietorship, or another structure. An LLC offers personal asset protection, but business insurance is available without one. In fact, some sole proprietors and LLCs—especially those with no employees or physical storefront—may operate without a business license, and still qualify for general liability insurance from Warren Weiss Agency. Even a small home-based business can benefit from coverage in case of unexpected events. The most important factor is the type of business you run and the risks it faces.

Start a free quote

This field is for validation purposes and should be left unchanged.

Prefer to talk to a live person? We answer the phone — call us 215.538.1865