Business Insurance

As a business owner, you work hard to cultivate and maintain your business. You want to keep your business, employees and other investments safe but the risks you face every day threaten what you've built.

Erie Insurance has put its knowledge of risks to work by offering products and services to help protect you and your business. Read more about the coverage that is available from Erie Insurance and our agency.*

Retail, Offices, Service, Religious Organizations, Wholesale
Ultrapack PlusSM
ERIE's Ultrapack Plus Policy is designed to provide insurance coverage for:
  • Small to medium-sized retail, wholesale, office and service businesses. Examples include gift shops and specialty stores, bakeries, deli and coffee shops, barber shops and beauty salons, accounting and bookkeeping firms, and medical and dental offices.
  • Religious organizations.
Apartment Buildings, Condo Associations, Building Owners
As a property owner, you have special insurance coverage needs. ERIE's Ultrapack Plus Policy will help protect property owners, who may need property and liability coverage for their apartment buildings, condominiums, leased offices, shopping centers and other properties.
Manufacturing, Restaurants, Hotel/Motel
UltraflexSM
ERIE's Ultraflex Policy can be specifically tailored to provide insurance coverage for any eligible business or institution such as hospitality, institutional, contracting, manufacturing and processing operations. Examples include restaurants, hotels, golf courses, printers, daycare centers, grocery stores, commercial contractors, machine shops and tool and die shops.
Contractors
FivestarSM for Contractors
ERIE's Fivestar Contractors program is designed for artisan tradespeople and residential construction contractors. Additional coverage can be written to meet your business needs for employee tools, contractors’ equipment, voluntary property damage, and installation and builders’ risk coverages.
Business Vehicles and Auto Sales, Service and Repairs
Business Auto and Garage Auto
ERIE’s Business Auto Policy provides liability, collision and comprehensive coverage to meet your business needs. Whether you own retail, wholesale delivery, contractor or service industry vehicles, ERIE will customize your policy to meet your specific needs.

ERIE’s Garage Auto Policy provides insurance for all aspects of auto sales and service. This policy provides liability coverage for your work and the physical damage coverage on your and your Customers’ vehicles. Eligible businesses include auto repair garages, service stations, auto detailers, and franchised and non-franchised auto dealerships.
Special Lines Coverage
Business Catastrophe Liability
ERIE’s Business Catastrophe Liability (BCL) Policy provides additional liability coverage for eligible business operations. It serves as a financial reserve or cushion against a judgment beyond the limits of your primary liability policies.
Employment Practices Liability Insurance
An Employment Practices Liability (EPL) claim can be leveled at any business. Any of these practices – hiring, performance assessments, payroll decisions and terminations – can give rise to an EPL claim.

EPL insurance is an affordable way for business owners to protect against employees’ claims alleging discrimination, wrongful termination or harassment, including sexual harassment. EPL provides coverage for damage and defense costs arising out of these claims. ERIE can also provide coverage for unknown prior acts and third-party liability.
Workers' Compensation
Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides Employers’ Liability insurance for any related suits that are permitted under state law.

ERIE provides many services to help prevent and manage employee injury, including loss control resources, physician panels and medical management.
Commercial and Contract Bonds
Your word is your bond; however, in some instances, you’ll need that in writing. ERIE’s bond program offers several surety tools to satisfy your business requirements. The variety of ERIE products includes Contract Bonds, License and Permit Bonds, Court Bonds, Judicial Bonds, Public Official Bonds and Financial Guaranty Bonds.

Our agency is dedicated to helping business owners make decisions about their insurance needs. If you're interested in obtaining more information or a quote, contact us.

*See individual policies and endorsements for specific details of coverages. Certain terms and limitations apply.

What Customers Say

"My business was struck recently with a devastating fire that resulted in almost a total loss. With one phone call to Erie Insurance, my claim was taken care of."
-James B.