BUSINESS INSURANCE SERVICES

Choosing the right insurance plan for your business can be very confusing, but we can guide you to help you find the one that best fits your needs.

At Synergy Insurance Group Inc, we can assist you in choosing the right options for your property, liability, commercial auto, and other needs. We will listen attentively when working with you to identify any factors that may increase your risk and provide consulting and risk management options to help protect your business. 

Whether you are a retailer, wholesaler, contractor, or manufacturer, we are equipped to work with you. Please give us a call or Request a Quote on the Contact Tab of our website.

SPECIALIZING IN:

Business Owners Package (BOP)

Commercial Auto Insurance

Professional Liability Insurance

Directors and officers

Pollution Liability

Cyber Liability

Liquor Liability

Business Umbrella Policies

Special Event Insurance

Inland Marine Insurance

Bonds: Surety & Fidelity

Commercial Building Property

Restaurants, Bars, and Taverns

EPLI - Employment Practices Liability Insurance

Workers Compensation

General Liability

Contractors

Plumbers

Retail Stores

Electricians

Builders Risk

HEALTH INSURANCEAUTO INSURANCE

A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy. Commercial auto insurance, like your personal auto policy, provides similar coverage’s such as liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorists coverage.

However, there are also differences between a commercial auto insurance policy and your personal auto policy that may include eligibility, definitions, coverage’s, exclusions, and limits.

Most Commercial auto policies are “named driver only” policies, meaning only those drivers listed on the policy can operate a covered auto.

Reasons You May Need a Commercial Auto Policy:

  • In general, if an auto is used in tasks related to the operator’s occupation, profession or business, other than commuting, a commercial policy is necessary.
  • If you are using your auto to transport goods or people for a fee or if you use your auto to conduct a service, you may need a commercial auto insurance policy.
  • A commercial auto policy may be appropriate if you need higher limits of liability because of the nature of your work.
  • Hauling a considerable weight in tools or equipment or towing a trailer used to conduct your business may require a commercial auto insurance policy.
  • A commercial insurance policy may be needed if employees operate the auto or if ownership is in the name of a corporation or partnership

RESTAURANTS AND BARS

Synergy Insurance Group Inc caters to the insurance needs of today’s restaurant owners, offering quality coverage unique to the industry. Designed for full-service fine dining and family restaurants, our value is straight forward…we can better serve you because we specialize in and understand the restaurant industry.

We offer:

As experts in restaurant insurance and risk management issues, we have built upon our experience to develop a portfolio of coverage to address every facet of your restaurant operation.

  • Broad coverage’s designed for your industry and tailored to your standards
  • Competitive Pricing
  • Responsive and Fair claims service that protects the best interests of our clients
  • Safety and Loss Prevention Information and Training designed specifically for Restaurant operations

Available coverage's include:

  • Property Insurance – Business Income, Equipment Breakdown, Food Contamination Spoilage, Sewer Backup
  • Crime and Employee Dishonesty
  • General Liability
  • Liquor Liability
  • Employee Benefit Liability

WORKERS COMPENSATION

At Synergy Insurance Group Inc, We will help you make sure that your workplace is protected properly. As a Pennsylvania employer, you have an obligation to ensure a safe work place and the law requires a business to have Workers Compensation Insurance. Work Comp insurance can provide the coverage to protect you from those unpredictable occurrences.

We offer many different programs for different industries in Pennsylvania, in order to customize a package that fits your needs and industry. We take a proactive approach to our clients’ Workers’ Compensation challenges. We will work to reduce your insurance costs, thereby saving you money this year and years to come.

Coverage and benefits can be obtained for the worker no matter who is at fault. For those workers injured in the workplace, medical expenses and income replacement may be necessary. Our network of companies and experienced agents will help you find the right policy that meets all your needs. By contacting us today, we can assist and guide you through these complicated steps.

How will we help you as a Business Owner?

  • Reduced injuries and losses
  • Reduced medical and disability costs
  • Reduced policy adjustments
  • Reduced premium costs

CONTRACTORS INSURANCE

Synergy Insurance Group Inc. specializes in providing contractors general liability insurance and other coverage’s vital to contractors including builders risk insurance, commercial auto coverage, and insurance for tools and equipment. Contractors Insurance can be very confusing at times, so we are here to assist you through the process of selecting the right coverage from the right company. We have many companies to find you the best possible coverage at a affordable price.

General Liability Insurance

This liability insurance will protect you from most claims that would arise from the day to day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.

Tools and Equipment

Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.

Builders Risk - C.O.C (Course of Construction)

Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects as well and some policies can be endorsed to include the structure being remodeled also.

Workers' Compensation

Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers’ compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers’ compensation insurance.

Business Auto Insurance

Personal auto policies exclude autos used for Commercial and Business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business be sure you have the right policy and coverage is not excluded.