Commercial and Business Insurance In Wernersville, Reading, Myerstown, Sinking Spring, Wyomissing, PA and the Surrounding Areas
Running a business comes with many challenges but securing the right business insurance should not be one of them. At Stubbs Insurance Associates, Inc., we understand that your business is more than just a source of income, it is your passion and an investment–it deserves to be fully protected! That is why we are dedicated to providing tailored commercial insurance solutions to Wernersville, Reading, Wyomissing, Myerstown, Sinking Spring, and surrounding areas.
From small business insurance, security bonds, workers compensation insurance, contractors’ insurance, and more, we have your back. Contact us today to get a quote on commercial insurance for your business!
Commercial Insurance
Commercial insurance looks different for every company. That is why our team works directly with you, getting to know your business personally, to help you customize a policy that has your best interests at heart. Our commercial insurance coverage options include:
- General Liability Insurance
- Professional Liability
- Worker’s Compensation
- Garage
- Surety Bonds
- Errors & Omissions
- Builder’s Risk Insurance
- Garage Liability
- Mechanic & Body Shop
- Cabs and Limousines
- Umbrella
- Commercial Autos & Fleet
- Group Life & Health
- And More
Small Business Insurance
Owning and operating a small business is both rewarding and challenging. With the right insurance coverage, you can focus on growing your business without worrying about potential financial setbacks. Our small business insurance policies are specifically designed to cover the risks and exposures unique to smaller operations, ensuring protection from unexpected incidents like property damage, employee injuries, lawsuits, and more.
Contractors Insurance
As a contractor, you face a variety of risks on the job every single day. From construction sites to renovation projects, your work is hands-on and often unpredictable. Our contractor’s insurance policies provide coverage for injuries, property damage, and legal liabilities that could arise in the course of your work.
Whether you are an independent contractor or manage a team, having the right coverage in place can protect you from significant financial losses.
Surety Bonds
For contractors and businesses, obtaining a surety bond is often a requirement for bidding on projects, particularly public ones. This expands opportunities by enabling them to qualify for jobs they might not otherwise be able to secure without the bond.
Having a surety bond signals to clients, partners, and government agencies that the principal is reliable and capable of meeting their obligations. It adds a layer of trustworthiness to the business.
Many industries and governments require surety bonds as part of licensing or permitting processes. Having the bond ensures that the principal is complying with regulatory requirements, which may include public safety and financial obligations. In cases where the principal defaults or fails to meet their contractual obligations, the surety bond provides a mechanism for affected third parties to make a claim and receive compensation.
Overall, a surety bond is a valuable tool for reducing risk, ensuring project completion, and enhancing business opportunities for both the principal and the obligee.
General Liability Insurance
General liability insurance is one of the most important forms of protection for any business. Without general liability insurance, a single lawsuit could potentially cripple your business financially–and not to mention, your reputation! Whether you run a small local shop or a large commercial enterprise, general liability insurance ensures that you are covered against a wide range of risks. Here is what general liability insurance can protect you from:
- Bodily Injury Claims
- Property Damage
- Personal Injury
- Legal Defense Costs
- Product Liability
- And More
Workers’ Compensation Insurance
Your employees are the heart and soul of your company, and keeping them protected is a priority. Workers’ compensation insurance provides coverage in the event that one of your employees is injured or falls ill due to work-related activities. This essential form of business insurance coverage ensures that employees receive medical care, wage replacement, and rehabilitation support, while also protecting your business from potential lawsuits.
Commercial Auto
If your business relies on a single vehicle, or a fleet, you need commercial auto insurance. Commercial auto insurance coverage protects your business vehicles from damages, theft, accidents, and liability. Protecting your vehicles and drivers ensures that your business can continue running efficiently, even if the unexpected happens on the road.
Let us help you secure the protection your business needs to thrive. Contact us today to discuss your commercial insurance options for Wernersville, Reading, Myerstown, Sinking Spring, Wyomissing or the surrounding areas.
Options include:
- General Liability
- Professional Liability
- Worker’s Compensation
- Garage
- Surety Bonds
- Errors & Omissions
- Builder's Risk Insurance
- Garage liability
- Mechanic and body shop
- Cabs and Limousines
- Umbrella
- Commercial Autos & Fleet
- Group Life & Health
