General Liability Insurance
It’s difficult for businesses or general contractors to work without general liability insurance. It’s intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources.
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Workers Compensation Insurance
Workers compensation insurance protects employers from claims resulting from injuries to employees. It protects you from lawsuits and provides employees with compensation for injuries.
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Product Liability Insurance
Product liability insurance protects you and your business in case a product you produce or provide causes harm to a user or a user’s property. A “product” is anything that is tangibly used, touched, or consumed.
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Commercial Auto Insurance
A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. Find out what Pennsylvania state requirements are with a quick call.
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Chester Perfetto Agency provides commercial insurance services to meet the requirements of businesses in Reading, PA and throughout Berks County, PA. We understand the risk to businesses and work to provide insurance solutions that suit the needs of each business with personal attention and competitive rates for a broad range of business insurance products.

At Chester Perfetto Agency, we offer a wide range of insurance services with competitive quotes. Our commercial insurance services include bonds, commercial property, commercial auto, liability, builders risk, general liability, product liability, workers compensation, and other services designed to fit the needs of specific occupations, such as constable liability, special event, directors and officer’s liability, travel agent, and contractor’s liability.

Most business owners have limited knowledge of the many commercial insurance products that are available and limited time to research their options for every insurance policy they need. We take the time to understand the needs of your business and recommend insurance coverage to ensure that all aspects of your business are covered, from your property to your fleet, liability and workers compensation.

We work with businesses of all sizes in Reading, PA and throughout Berks County, PA to cover the insurance needs. Please take a few minutes to read more about our insurance services on our website and contact our office today at (610) 678-0373 to discuss your commercial insurance needs and have our agency design a custom protection program for your business.

Chester Perfetto Agency, Inc. provides the following types of business insurance protection:

Builders Risk Insurance

Builders Risk is a policy is designed to provide coverage for buildings while under construction.

Small Business Insurance

Small Business Insurance can provide coverage for your goods, services, assets and employees.

Commercial Auto Insurance

A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements.

Commercial Property Insurance

If you own a business, you probably own some form of general liability insurance to protect you in the event of a lawsuit due to negligence on your part.

Commercial Property protects your business against the loss or loss of use of company property.

Commercial Umbrella Insurance

If you own a business, you probably own some form of general liability insurance to protect you in the event of a lawsuit due to negligence on your part.

Constable Liability Insurance

Professional liability insurance to constables and deputy constables. Every constable and deputy constable in the state of Pennsylvania must file with the clerk of courts proof that he has a policy of professional liability insurance covering each individual in the performance of his judicial duties. Our program provides both Professional and General Liability coverage for eligible risks.

Contractors Insurance

Contractor’s General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.

Directors Officers Insurance

Directors and Officers Liability Insurance provides financial protection for the directors and officers of your company in the event they are sued in conjunction with the performance of their duties as they relate to the company.

Employers Liability Insurance

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business.

Liability Insurance

Normally, it is difficult for businesses or general contractors to work without general liability insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

Liquor Liability Insurance

Liquor Liability Insurance will protect your bar, restaurant, microbrewery, winery or any other establishment that serves alcohol.

Product Liability Insurance

Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user’s property. A “product” is anything that is tangibly used, touched, or consumed.

Errors and Omissions Insurance

Errors and Omissions insurance will protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services.

Special Event Insurance

Whether you are planning a corporate event, holding a large rock concert, or organizing a local flower festival, you will need special event insurance to ensure that you are covered for unexpected occurrences that may spoil the success you and your company may receive when the big day arrives.

Surety Bond

A bond is a three-party agreement whereby the surety guarantees to the obligee (the project owner) that the principal (the contractor) is capable of performing the contract in accordance with the contract documents. Performance of the contract, which is the subject of the bond, determines the rights and obligations of the surety and the obligee.

Travel Agent Insurance

Travel Agent E&O policies cover claims arising from errors or omissions committed by travel agents when they arrange and plan trips.

Workers Compensation Insurance

Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

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