--- title: "Pennsylvania Business Owners Policy: Compare Separate Flood Options" description: "Pennsylvania Insurance Department reports flooding across all counties and distinguishes NFIP, private flood and surplus-lines options." canonical: "https://spot.insure/coverage/business-owners-policy/pennsylvania" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/business-owners-policy/pennsylvania) # Pennsylvania Business Owners Policy: Compare Separate Flood Options Pennsylvania's Insurance Department says destructive flooding has affected all 67 counties and can occur outside mapped high-risk areas. It describes private flood policies as potentially offering higher limits or business-interruption options, and excess flood as a way to insure above primary limits. Compare those policy terms with the BOP and ask about business contents and downtime.[^1][^2] **Coverage:** [Business owner’s policy](/coverage/business-owners-policy) · [Pennsylvania](/coverage/states/pennsylvania) ## What Is Business Owner’S Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [Read the national Business owner’s policy guide](/coverage/business-owners-policy). ## What to Watch for in Pennsylvania ### Check the address and local flood risk The Department says flooding can occur anywhere, reports destructive flooding in all 67 counties and notes that over 40% of claims are outside high-risk areas. Use the address-level flood tools and local history as well as FEMA maps when deciding whether the BOP needs separate flood coverage.[^1][^2] ### Compare flood contents and interruption options The Department says some private flood policies offer options such as basement contents and business-interruption coverage that may not be present in standard NFIP terms. Ask the insurer to identify each covered property class and income trigger rather than relying on a generic flood-policy label.[^1] ### Compare surplus-lines and excess protection carefully The Department identifies private, surplus-lines and excess flood options. It says excess flood can sit above NFIP or private primary limits, while surplus-lines insurers have different considerations from state-licensed insurers. Ask who underwrites each layer, how the limits stack and which protections apply.[^1] ## Who Regulates Insurance in Pennsylvania **Pennsylvania Insurance Department.** The Pennsylvania Insurance Department publishes state tools to check licensed producers, agencies, and insurers, and its Consumer Services Online portal accepts complaints about insurers, agents, brokers, and public adjusters. The department also oversees Pennsylvania insurance business and consumer services.[^3][^4][^5] - [Regulator website](https://www.pa.gov/agencies/insurance.html) - [License lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) - [File a complaint](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross premium (2% for eligible surplus-lines risk retention groups) Pennsylvania charges 3% of gross surplus-lines premiums (2% for an eligible surplus-lines risk-retention group); the tax is in addition to premium, is borne by the insured, and is collected by the producer. For multistate risks, the 2025 Revenue instructions say all gross premiums are taxable when Pennsylvania is the home state, while Insurance Company Law §1621(d) says tax is levied only on premium reasonably ascribable to Pennsylvania risk; confirm allocation with your producer or the state. Surplus-lines coverage is excluded from the guaranty association, and qualifying large risks or exempt commercial purchasers may use distinct no-search routes, with the ECP route requiring disclosure and written request.[^6][^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Business owner’s policy; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Pennsylvania; [check the regulator’s license lookup](https://www.pa.gov/agencies/insurance/resources/search-tool-library) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^12] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^14] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^13] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] ## Questions to Ask Before You Buy in Pennsylvania 1. What does the property's address-level flood assessment show, including risk outside the FEMA high-risk zone? 2. Does the flood quote cover basement stock, equipment and business interruption, and what triggers lost-income benefits? 3. If the primary flood limit is too low, how do private, surplus-lines and excess options differ in limits and insurer status? ## Business Owner’S Policy in Pennsylvania: FAQ ### Can a Pennsylvania business flood outside a mapped high-risk area? The Pennsylvania Insurance Department says flood damage can happen anywhere and reports claims outside high-risk areas. Use a property-specific risk tool and compare separate flood coverage even when the address is not in a high-risk zone.[^1][^2] ### Can a Pennsylvania flood policy cover business interruption? The Department says some private flood policies offer business-interruption coverage and that excess flood is available above primary limits. Availability and terms vary by policy; ask for the actual trigger, limit and waiting period.[^1] ## Business Owner’S Policy in Other States - [Alabama](/coverage/business-owners-policy/alabama) - [Alaska](/coverage/business-owners-policy/alaska) - [Arizona](/coverage/business-owners-policy/arizona) - [Arkansas](/coverage/business-owners-policy/arkansas) - [California](/coverage/business-owners-policy/california) - [Colorado](/coverage/business-owners-policy/colorado) - [Connecticut](/coverage/business-owners-policy/connecticut) - [Delaware](/coverage/business-owners-policy/delaware) - [District of Columbia](/coverage/business-owners-policy/district-of-columbia) - [Florida](/coverage/business-owners-policy/florida) - [Georgia](/coverage/business-owners-policy/georgia) - [Hawaii](/coverage/business-owners-policy/hawaii) - [Idaho](/coverage/business-owners-policy/idaho) - [Illinois](/coverage/business-owners-policy/illinois) - [Indiana](/coverage/business-owners-policy/indiana) - [Iowa](/coverage/business-owners-policy/iowa) - [Kansas](/coverage/business-owners-policy/kansas) - [Kentucky](/coverage/business-owners-policy/kentucky) - [Louisiana](/coverage/business-owners-policy/louisiana) - [Maine](/coverage/business-owners-policy/maine) - [Maryland](/coverage/business-owners-policy/maryland) - [Massachusetts](/coverage/business-owners-policy/massachusetts) - [Michigan](/coverage/business-owners-policy/michigan) - [Minnesota](/coverage/business-owners-policy/minnesota) - [Mississippi](/coverage/business-owners-policy/mississippi) - [Missouri](/coverage/business-owners-policy/missouri) - [Montana](/coverage/business-owners-policy/montana) - [Nebraska](/coverage/business-owners-policy/nebraska) - [Nevada](/coverage/business-owners-policy/nevada) - [New Hampshire](/coverage/business-owners-policy/new-hampshire) - [New Jersey](/coverage/business-owners-policy/new-jersey) - [New Mexico](/coverage/business-owners-policy/new-mexico) - [New York](/coverage/business-owners-policy/new-york) - [North Carolina](/coverage/business-owners-policy/north-carolina) - [North Dakota](/coverage/business-owners-policy/north-dakota) - [Ohio](/coverage/business-owners-policy/ohio) - [Oklahoma](/coverage/business-owners-policy/oklahoma) - [Oregon](/coverage/business-owners-policy/oregon) - [Rhode Island](/coverage/business-owners-policy/rhode-island) - [South Carolina](/coverage/business-owners-policy/south-carolina) - [South Dakota](/coverage/business-owners-policy/south-dakota) - [Tennessee](/coverage/business-owners-policy/tennessee) - [Texas](/coverage/business-owners-policy/texas) - [Utah](/coverage/business-owners-policy/utah) - [Vermont](/coverage/business-owners-policy/vermont) - [Virginia](/coverage/business-owners-policy/virginia) - [Washington](/coverage/business-owners-policy/washington) - [West Virginia](/coverage/business-owners-policy/west-virginia) - [Wisconsin](/coverage/business-owners-policy/wisconsin) - [Wyoming](/coverage/business-owners-policy/wyoming) [Other Coverage in Pennsylvania](/coverage/states/pennsylvania) ## Sources [^1]: [Learn About Flood Insurance](https://www.pa.gov/agencies/insurance/consumer-help-center/learn-about-insurance/flood-insurance) — Pennsylvania Insurance Department; Flood risk, shopping, private and surplus-lines comparisons, private business-interruption options and excess flood. Accessed 2026-09-28. [^2]: [Do I Need Flood Insurance?](https://www.pa.gov/agencies/ready/hazards/flood/insurance) — Pennsylvania Emergency Management Agency / Commonwealth of Pennsylvania; Flood risk tool, map updates, NFIP availability for businesses and waiting-period guidance. Accessed 2026-09-28. [^3]: [pennsylvania insurance regulator](https://www.pa.gov/agencies/insurance.html) — State insurance regulator; PID official agency page and the search/consumer-help service map.. Accessed 2026-09-28. [^4]: [Pennsylvania Insurance Industry Search Tool Library](https://www.pa.gov/agencies/insurance/resources/search-tool-library) — State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools.. Accessed 2026-09-28. [^5]: [File a Complaint with Your Insurance Company, Agent, Broker, or Public Adjuster](https://www.pa.gov/services/insurance/file-a-complaint-with-your-insurance-company-agent-broker-or-public-adjuster) — State insurance regulator; PID directs insurance complaints and questions to its Consumer Services Online portal.. Accessed 2026-09-28. [^6]: [RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025)](https://www.pa.gov/content/dam/copapwp-pagov/en/revenue/documents/formsandpublications/formsforbusinesses/corporationtax/documents/2025/2025_rct-123.pdf) — Pennsylvania Department of Revenue; Instructions p. 4, imposition/base/rate: 3% on gross premiums; insured bears tax, producer collects/remits; RRG exception 2% per statute.. Accessed 2026-09-28. [^7]: [Insurance Company Law, §1621](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2010/0/0014..HTM) — Pennsylvania General Assembly; Subsection (d): multi-state tax is levied only on premium reasonably ascribable to Pennsylvania risk. This differs from the 2025 RCT-123 instructions, which state all gross premiums taxable if PA is home state; see source tax.. Accessed 2026-09-28. [^8]: [Insurance Department Act, surplus-lines notice provision](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/1992/0/0178..HTM) — Pennsylvania General Assembly; Policy legend: insurer is not licensed and surplus-lines insurance is NOT covered by Pennsylvania Insurance Guaranty Association.. Accessed 2026-09-28. [^9]: [Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610)](https://www.legis.state.pa.us/WU01/LI/LI/US/HTM/2011/0/0028..HTM) — Pennsylvania General Assembly; Act 28 of 2011 §1610(a), (a.1): large-risk criteria and ECP disclosure followed by written request exempt from diligent-search requirements.. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^16]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/business-owners-policy/pennsylvania.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)