Business Insurance Solutions
Business Insurance
Regardless of your industry, your company faces risks every day. That’s why CNS Insurance provides a comprehensive selection of business insurance options tailored to identify and mitigate these risks. In addition to managing claim costs, we assist businesses in preparing for potential risks and recovering swiftly after unforeseen events. Effectively managing the total cost of risk gives you a competitive edge, helping safeguard and expand your business.
One-Stop Business Solutions
We assist all types of business with necessary coverages to reduce risk and prepare for those worse-case scenarios.
Business Owners Policy (BOP)
A Business Owners Policy (BOP) is a comprehensive insurance package designed to protect small to medium-sized businesses from various risks. In Pennsylvania, business owners often choose a BOP as a cost-effective way to secure multiple coverages under one policy. Below, we break down the key components and options typically involved in a BOP for businesses in Pennsylvania.
Commercial Auto Insurance
As a Commercial Truck Insurance Provider, we offer coverage for Auto Haulers, Agricultural, Construction, Fleets, Fuel Haulers, Hazmat Carriers, Last-Mile and Mid-Mile Carriers, Long-Haul Truckers, Short-Haul Trucks, Towing Companies, and even new trucking companies.
General Liability
While general liability insurance is not a legal requirement in Pennsylvania for all businesses, it’s highly recommended for most business owners to have it. Additionally, some contracts, leases, and industries may mandate it. Make sure to check with your insurance agent and review any applicable contracts to determine if you need to carry GLI coverage.
Cyber Liability
Cyber insurance helps protect businesses from devastating financial losses caused by data breaches, ransomware, and other cyber threats, ensuring they can recover and stay operational. With attacks becoming more sophisticated, having coverage can mean the difference between survival and shutting down.
Workers' Comp Insurance
Workers’ Compensation insurance is required by law, in almost every state, that are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
Surety Bonds
A surety bond is a type of financial guarantee that ensures a business or individual fulfills certain obligations, such as adhering to laws, completing contracts, or meeting financial responsibilities.
General Liability
General liability insurance is not a legal requirement in Pennsylvania, but it’s highly recommended for most businesses, and in some cases, contracts, leases, and industries may mandate it. Check with your insurance agent and review any applicable contracts.
Business Interruption Coverage
Running a business comes with its share of challenges, but when unforeseen events disrupt your operations, the financial impact can be overwhelming. Business Interruption Coverage ensures that your company can recover with confidence.
Property Insurance Coverage
Business owners invest in physical assets, like buildings, equipment, and inventory, but when unexpected events cause damage or loss, the financial consequences can be significant. Property Insurance Coverage ensures those assets are protected.
