As a private, locally owned insurance agency, Fanelli, Harley, Harper & Assoc takes pride in protecting other businesses. We understand the concerns that face business owners, and we also comprehend the specific risks and local concerns faced by businesses in Chester, Delaware and Montgomery counties. We know you need to protect your bottom line, and our insurance professionals will help you assess your insurance needs and find coverage with true value for your business.

Customized Policies for Local Companies

There is no such thing as a one-size-fits-all business insurance policy. At Fanelli, Harley, Harper & Assoc, we’ll take the time to get to know you and to understand your business. Then we’ll work with you to write an insurance policy that covers your risks without making you pay for unnecessary extras. We write business policies for companies across a broad range of industries including

• Restaurant and food service
• Construction and general contracting
• Rental organizations and property management
• Home-based and direct sales businesses
• Out-patient medical offices and healthcare services
• Retail sales
• IT companies and web designers
• Non-profit organizations

Available Liability Policies

Although the business policies we write are always customized to meet your specific business needs, we offer a full menu of standard liability coverage options. These include

• General liability, often called “slip and fall” coverage, to protect day-to-day business operations
• Business property coverage to insure your brick-and-mortar location as well as business personal property and inventory
• Basic business owners policies (BOP), which combine general liability and property coverage into a single policy for uncomplicated, straight-forward coverage
• Professional liability or errors and omissions coverage to protect licensed professionals in the event of a mistake that causes damage to others
• Directors and officers liability to protect against misstatements, oversights, omissions or unethical actions of a board member or executive
• Workers compensation insurance to help you care for your employees
• Commercial vehicle insurance to cover private or rented vehicles used on company business as well as company-owned fleets
• Surety bonds to protect businesses financially against promises made by others
• Umbrella policies and extended limits to span gaps in coverage

To learn more about your options in commercial insurance, contact us. To speak with an insurance professional, call our office any time during business hours. We look forward to helping you protect your business.

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