Business Insurance

We know how hard you work to cultivate and maintain your business. We also know there are risks you face every day that threaten what you've built. We put that knowledge to work by offering products and liability coverage to soundly protect you and your business.

  • Erie Packages
  • Ultrapack (Business Owners Policy)
  • Ultraflex (Flexible Commercial Policy)
  • Ultrasure for Property Owners
  • Fivestar Contractors
  • Commercial Auto
  • Garage/Auto
  • Business Catastrophe Liability
  • Workers Compensation
  • Ultrasure for Landlords
  • Bonds
business and commercial insurance
 
Ultrapack Plus

SMERIE'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.

UltraflexSM

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.

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.
 
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 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.

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.

For more than 15 years, we've made it our business to take care of you by providing the products you need and the excellent service you expect.

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