Business Insurance Plans

Business insurance plans provide necessary protection for property, liability, and employees, ensuring that companies remain stable under unexpected challenges. At Perfetto Agency, we guide organizations through commercial lines of insurance, giving them choices that fit their size and industry. We are committed to helping our clients with their business insurance needs, putting the clients’ needs first and providing fair and honest service to our clients in Reading and throughout Berks County and the Lehigh Valley. By selecting from diverse commercial lines of insurance, businesses gain flexibility that supports long-term goals. Our agents are seasoned professionals with the knowledge, experience, and superior service that you can count on for quality business insurance plans.

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Personal Insurance

What type of Business Insurance do you need?

General Liability Commercial Insurance in Reading and Berks County

General Liability


Protects operators and company owners from a broad spectrum of claims.

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Product Liability Insurance in Reading and Berks County

Product Liability


Protection if your product causes harm to a person or their property

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Workers Compensation Insurance in Reading and Berks County
Commercial Auto and Business Vehicle Insurance in Reading and Berks County

Commercial Auto


Typically required when a vehicle is used for business 

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What Type of Business Insurance Plan Do You Need?

Business insurance plans are required for managing risk, protecting company property, and supporting employees when unexpected events occur. By selecting from commercial lines of insurance, organizations can address liability, equipment coverage, and workplace safety in ways that match their operations. Working with our trusted  , leaders can compare multiple carriers and choose policies that reflect both budget and industry needs. Owners balancing personal and professional responsibilities often rely on personal insurance plans alongside their business coverage. Employers also strengthen retention by offering group insurance plans  s , giving staff added security and long-term value.

Additional Business Insurance Coverage

Contact us for all your business insurance needs in Reading and throughout Berks County and the Lehigh Valley PA
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  • Builders Risk Insurance

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

  • 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 for 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.

  • 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.

  • Liquor Liability Insurance

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

  • Small Business Insurance

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

  • 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.

Get Covered Today

Business insurance plans give companies the protection needed to handle risks with confidence. By exploring commercial lines of insurance, organizations can shape policies that fit their operations. With our insurance provider , leaders gain guidance that makes decisions clearer and easier to act on. You're in capable hands. Our seasoned independent agents specialize in quality business insurance that's affordably priced.  Contact us for a free quote!

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