What General Liability Insurance Requirements Apply in Pennsylvania?

For Pennsylvania home improvements covered by HICPA, contractors must provide evidence of at least $50,000 personal-injury liability and $50,000 property-damage liability; qualifying contractors generally register with the Attorney General. In multi-defendant negligence cases, Pennsylvania generally apportions liability severally, but joint liability returns for listed exceptions, including a defendant assigned at least 60% of total liability.

What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

Pennsylvania General Liability Insurance Requirements

Requirement	Details
HICPA liability evidence	$50,000 personal-injury liability and $50,000 property-damage liability for covered home-improvement contractors; self-insurance may be accepted under the Act ^1,²

What to Watch for With General Liability in Pennsylvania

The HICPA Floor Applies to Covered Home Improvements
The Attorney General describes home improvements as work for a private residence with a total cash price over $500; new-home construction is excluded. It also identifies small contractors under $5,000 in prior-year work and certain large retailers as exceptions, so confirm the project and business fit before treating HICPA’s insurance evidence as universal. ²
The Statute Calls for Separate Injury and Property Figures
HICPA’s registration evidence specifies at least $50,000 for personal-injury liability and $50,000 for property damage caused by the contractor’s work, and the Act permits an applicant’s attestation of self-insurance subject to Bureau review. For covered home-improvement contracts, ask that current insurance amounts be identified and do not mistake these floors for proof that a specific loss is insured. ^1,²
Multi-Defendant Allocation Has Important Exceptions
Pennsylvania generally assigns each defendant its apportioned share when more than one defendant is liable; joint-and-several treatment remains for intentional torts, hazardous-substance actions, Liquor Code violations, and defendants at 60% or more of apportioned liability. Use those rules as a limit-sizing question for shared claims, not as a promise about policy response. ³

Which General Liability Providers Have Pennsylvania License Records?

These providers publish a national listing for General liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Pennsylvania. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹³
Corgi lists commercial general liability among its business insurance offerings.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
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. ¹⁵
ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
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. ¹⁴
Hiscox offers general liability insurance for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁶
TechInsurance arranges general liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁷
Vouch lists general liability among the core coverages in its technology-company programs.

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. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Pennsylvania

Reported tax rate. 3% of gross premium (2% for eligible surplus-lines risk retention groups) ^7,^8,^9,¹⁰

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.

Questions to Ask Before You Buy General Liability in Pennsylvania

Does this project fall within HICPA’s home-improvement definition and our business qualify for a registration exception?
Can our application and customer contract show separate personal-injury and work-related property-damage limits, and does the Bureau accept our self-insurance arrangement?
If a claim names multiple businesses, how would a 60% allocation or one of the statutory exceptions affect the limits we are buying?

General Liability Insurance in Pennsylvania: FAQ

What liability limits does Pennsylvania require for a home-improvement contractor?

At least $50,000 for personal-injury liability and $50,000 for property damage caused by the contractor’s work, for contractors subject to HICPA. The Act allows qualifying self-insurance subject to Bureau review. ^1,²

Does Pennsylvania HICPA apply to new-home construction?

No. The Attorney General says constructing a new home is not a “home improvement” under HICPA; the Act’s insurance evidence requirement should not be applied to new-home building on that basis alone. ²

Sources for General Liability Insurance in Pennsylvania

1
Act 52 of 2011, amending the Home Improvement Consumer Protection Act. Pennsylvania General Assembly; Section 2, amending §4(a)(1)(ix), proof of liability insurance. Accessed 2026-09-28.
2
Home Improvement Contractor Registration FAQs. Pennsylvania Office of Attorney General; “What is a home improvement?”; “Who must register?”; “What information is required to register?”. Accessed 2026-09-28.
3
Chapter 71, General Provisions. Pennsylvania General Assembly; 42 Pa.C.S. §7102(a), (a.1)(1)–(3), comparative negligence and joint/several liability. Accessed 2026-09-28.
4
pennsylvania insurance regulator. State insurance regulator; PID official agency page and the search/consumer-help service map. Accessed 2026-09-28.
5
Pennsylvania Insurance Industry Search Tool Library. State insurance regulator; PID identifies consumer Sircon and detailed individual, business-entity, and company search tools. Accessed 2026-09-28.
6
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.
7
RCT-123 Gross Premiums Tax - Surplus Lines Agents (2025). 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.
8
Insurance Company Law, §1621. 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.
9
Insurance Department Act, surplus-lines notice provision. 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.
10
Pennsylvania Insurance Company Law §§1604 and 1610 (40 P.S. §§991.1604, 991.1610). 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.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. 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.
13
Insurance Producer 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.
14
About Hiscox US 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.
15
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.
16
Insurance Licenses by State. 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.
17
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.

What General Liability Insurance Requirements Apply in Pennsylvania?

What Is General Liability Insurance?

Pennsylvania General Liability Insurance Requirements

What to Watch for With General Liability in Pennsylvania

The HICPA Floor Applies to Covered Home Improvements

The Statute Calls for Separate Injury and Property Figures

Multi-Defendant Allocation Has Important Exceptions

Which General Liability Providers Have Pennsylvania License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch