Business Insurance in Pennsylvania

Insurance Regulator

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. ^1,2,3

• Regulator website
• License lookup
• File a complaint

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. ^4,5,6,7

Coverage Guides

• General Liability Insurance in Pennsylvania

  Pennsylvania's HICPA ties covered home-improvement contractors to $50,000 personal-injury and $50,000 work-related property-damage liability evidence.

• Directors and Officers (D&O) Insurance in Pennsylvania

  See how Pennsylvania's corporate indemnification and insurance statutes affect the D&O policy questions you should ask.

• Cyber Liability Insurance in Pennsylvania

  Pennsylvania’s 2024 amendments lowered its nationwide credit-agency trigger to more than 500 notices and added conditional credit monitoring.

• Media Liability Coverage in Pennsylvania

  Pennsylvania gives one year for libel, slander, and invasion-of-privacy actions. Its Uniform Public Expression Protection Act provides a special public-expression immunity and

• Pennsylvania EPLI: Four-person PHRA threshold and filing choice

  Pennsylvania’s Human Relations Act generally applies to employers with four or more in-state employees, with important exclusions and religious-entity qualifications.

• Fiduciary Liability Insurance in Pennsylvania

  Review Pennsylvania retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.

• Pennsylvania Hired and Non-Owned Auto Coverage

  Pennsylvania requires continuous financial responsibility on registered vehicles and bars an owner from permitting a vehicle to be driven without it.

• Professional Liability (E&O) Insurance in Pennsylvania

  Learn Pennsylvania’s home-inspector E&O limits, one-year policy-maintenance rule, and when the same duties reach engineers and architects.

• Workers’ Compensation Insurance in Pennsylvania

  Learn when Pennsylvania businesses must secure workers’ compensation, which exceptions apply, and what coverage route to discuss with a broker.

• Pennsylvania Business Owners Policy: Compare Separate Flood Options

  Pennsylvania Insurance Department reports flooding across all counties and distinguishes NFIP, private flood and surplus-lines options.

• Pennsylvania Umbrella and Excess Liability Guide

  Financial responsibility is $15,000, $30,000, and $5,000, and a lapse can suspend the registration for three months or cost a $500 civil penalty.

• Medical malpractice insurance in Pennsylvania

  Pennsylvania ties MCARE participation and assessment remittance to the insured provider and policy period.

• Representations and Warranties Insurance in Pennsylvania

  Check Pennsylvania contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.

• Kidnap and Ransom Insurance in Pennsylvania

  See how Pennsylvania's surplus-lines tax and insurer insolvency rules can affect a K&R quote.

• Pennsylvania Crime Insurance Guide

  How Pennsylvania funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage.

• Commercial Auto Insurance in Pennsylvania

  Pennsylvania’s general financial-responsibility floor is $15,000/$30,000/$5,000, while PUC-regulated common and contract carriers face separate weight-based filing limits.

• Cargo Insurance in Pennsylvania

  Pennsylvania’s $5,000 property-carrier cargo filing and household movers’ 60-cent-per-pound valuation answer different buyer questions.

• Liquor Liability in Pennsylvania

  Pennsylvania limits when a licensee is liable for off-premises harm and can require RAMP certification after specified violations or permits.

• Key Person Insurance in Pennsylvania

  Learn how Pennsylvania insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.

• Commercial Property Insurance in Pennsylvania

  Use Pennsylvania flood maps and compare business building, contents, interruption, valuation, deductible, and claim-response terms.

• Pennsylvania garage liability for motor vehicle dealers

  See Pennsylvania’s dealer insurance-card wording and vehicle-by-vehicle proof rules.

• Pennsylvania Public Construction Bonds

  Check Pennsylvania public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.

• Pennsylvania builders risk: permit jurisdiction and occupancy milestones

  Pennsylvania project disclosures should include the municipality, applicable permit issuer, project disturbance and the inspection or occupancy milestones that could affect the builder-to-owner handoff.

• Equipment Breakdown Insurance in Pennsylvania

  Pennsylvania assigns different field-inspection cycles to power boilers, heating boilers, school boilers, and unfired pressure vessels.

• Pennsylvania Management Liability Insurance

  Compare Pennsylvania employment-law exposure and company indemnification duties with D&O and EPL policy terms.

• Pennsylvania Fidelity Bonds for Title Insurance Agents with Employees

  Learn which Pennsylvania businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.

• Intellectual Property Insurance in Pennsylvania

  Learn how Pennsylvania law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.

• Prove the order blocked a real contract milestone

  A 2025 Pennsylvania Superior Court decision shows why an order, a promised transaction, its deadline, and contemporaneous evidence must line up to support a frustration claim.

• Venture Capital Asset Protection Insurance in Pennsylvania

  Check how Pennsylvania adviser rules and fund entity structure affect a venture capital manager’s insurance review.

• Digital asset business insurance in Pennsylvania

  Review Pennsylvania's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.

• Telehealth Insurance in Pennsylvania

  Pennsylvania’s 2024 Act 42 requires covered plans to cover services through telemedicine on the same basis as in person when the service is otherwise covered and technology meets privacy and security law. Check how the rule affects remote care and reimbursement in Pennsylvania.

• Employee Health Benefits in Pennsylvania

  Pennsylvania Mini-COBRA covers eligible employees of businesses with 2–19 employees for up to nine months, with a 30-day election window and a possible 5% administrative charge.

• Trucking Insurance in Pennsylvania

  Check Pennsylvania’s gross-weight liability tiers, separate cargo minimum, and insurer-filed Form E and Form H requirements.

Sources

1. pennsylvania insurance regulator. State insurance regulator; PID official agency page and the search/consumer-help service map. Accessed 2026-09-28.
2. 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.
3. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9. 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.
10. 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.
11. 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.
12. 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.
13. 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.
14. 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.