Top 3 Insurance Policies Every Pittsburgh Business Should Consider
Running a business in Pittsburgh comes with its fair share of challenges—and risks. Whether you’re operating a small retail store, a thriving contracting business, or a tech startup, protecting your business from the unexpected is essential to your long-term success. While every company is unique, there are a few key insurance policies that almost every business in Pittsburgh should have in place to safeguard their people, property, and profits.
At Anderson Insurance Agency, we’ve been helping local businesses protect what matters most for decades. Our team of experienced professionals understands the local market, the unique needs of Pittsburgh businesses, and the coverage that provides real protection—not just paperwork.
Here are the top three insurance policies we recommend every Pittsburgh business consider:
1. General Liability Insurance
Why it’s essential:
General Liability Insurance is the foundation of any solid business insurance plan. It protects your business from a variety of common risks, including bodily injury, property damage, and personal injury claims made by third parties (such as customers or vendors). If someone slips and falls on your property or claims your advertising caused reputational harm, general liability insurance steps in to help cover legal fees, settlements, and medical costs.
Pittsburgh perspective:
With Pittsburgh’s bustling foot traffic in neighborhoods like Lawrenceville, Shadyside, and the Strip District, businesses often see a high volume of customers and visitors. This means there’s a greater risk of accidents and injuries occurring on your premises. General Liability Insurance helps ensure your business isn’t derailed by one unexpected incident.
2. Commercial Property Insurance
Why it’s essential:
Whether you own or lease your space, Commercial Property Insurance protects the physical assets your business depends on—including your building, inventory, equipment, and furniture. It provides coverage against losses from fire, theft, vandalism, and weather-related damage.
Pittsburgh perspective:
Pittsburgh weather is no stranger to heavy snowfall, freezing temperatures, and the occasional flooding—especially near rivers and older infrastructure. From water damage to electrical outages, the cost of repairing or replacing your property can be overwhelming without insurance. Commercial Property coverage keeps your business from suffering long-term financial losses when the unexpected strikes.
3. Workers’ Compensation Insurance
Why it’s essential:
Workers’ Compensation Insurance provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, and it protects employers from lawsuits related to workplace accidents.
Pittsburgh perspective:
From construction sites to restaurants and retail shops, Pittsburgh is home to a wide range of industries where physical labor and customer interaction are part of the job. Even in office environments, accidents can happen. Pennsylvania law requires businesses with employees to carry workers’ compensation insurance, and having the right policy ensures compliance and protects both your team and your bottom line.
Bonus: Consider Cyber Liability Insurance
While not part of the “big three,” Cyber Liability Insurance is becoming increasingly important for Pittsburgh businesses—especially those that handle sensitive customer information, operate online stores, or use cloud-based systems. A data breach or ransomware attack can cripple your operations and damage your reputation. Cyber coverage helps with data recovery, legal costs, and customer notification expenses.
Tailored Protection for Your Pittsburgh Business
At Anderson Insurance Agency, we understand that no two businesses are the same. That’s why we don’t believe in one-size-fits-all solutions. Our experienced agents take the time to learn about your operations, your team, and your goals. From there, we build a customized insurance strategy that fits your needs and budget.
Whether you’re a startup in East Liberty or a long-established business in South Hills, we’re here to help protect your future.
Protecting your business doesn’t have to be complicated. At Anderson Insurance Agency in Pittsburgh, we make insurance simple, accessible, and built around you. If you’re unsure about your current coverage—or starting a new venture—we’re just one phone call away.
Get in touch today for a free consultation and see how we can help secure your business with confidence.