Pennsylvania Business Insurance

Owner, MVP Insurance

Pennsylvania business insurance for small companies usually combines five coverages: general liability, workers comp, commercial auto, commercial property, and a business owners policy (BOP). MVP Insurance, an independent agency with offices in Zelienople, PA and New Springfield, OH, compares these policies across multiple carriers for businesses from Pittsburgh to Butler County.


Most owners don't need every policy on day one. A contractor in Cranberry with two trucks and a crew has very different exposures than a solo bookkeeper working from a home office in Mars. The goal is to match coverage to how your business actually operates, so a single bad day doesn't wipe out years of work.

Pennsylvania Business Insurance for Pittsburgh and Butler County

MVP Insurance provides local coverage by shopping your business across multiple carriers and building a package around your real risks. Josh Medure and David Varrati founded the agency in 2008. It operates from 108 E Grandview Ave in Zelienople, PA, (724) 453-1122, and 13823 Grant St in New Springfield, OH, (330) 707-9055.


Being independent means the agency works for you and not for an insurance company. That matters in western Pennsylvania, where conditions vary from one place to the next. A restaurant in the Strip District and a landscaper in rural Butler County face different weather, traffic, and litigation exposure. Businesses in the Butler County and Cranberry area often need endorsements for ice dams and frozen pipes. Standard policies may cover the resulting water damage but leave out the cost of removing the ice dam itself.

David Varrati

By: Joshua Medure

Owner, MVP Insurance

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield and Zelienople and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help homeowners, drivers, renters and condo owners, landlords, contractors, restaurant owners, shop owners, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

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General Liability and Business Owners Policies

General liability pays for third-party injuries and property damage. A customer slips on your wet floor, or your installer cracks a client's granite countertop, and this policy responds. A Business Owners Policy bundles that liability coverage with property protection and, often, cyber coverage. For many small businesses, a BOP gives broader protection than buying each piece separately.


Liability limits deserve real attention here. Pennsylvania recorded 42 nuclear verdicts over $10 million between June 2021 and May 2026, and these cases are increasingly appearing in suburban counties like Beaver. Some observers describe the state's courts as part of a challenging litigation climate for businesses.


Pricing varies by carrier, and these figures should be confirmed before you buy. Industry sources report a median of roughly $41 a month for standalone general liability among Pennsylvania small businesses. Penn National raised its BOP minimum premium to $625 a year in 2026.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Workers Comp and Commercial Auto Requirements

Pennsylvania law generally requires workers compensation for businesses with employees, including part-time workers. Vehicles your company owns need commercial auto coverage. One mistake comes up again and again: an owner assumes their personal auto policy covers a truck titled to the LLC. It usually doesn't, and the gap often surfaces only after a claim is denied.


There is some good news on cost. Effective April 1, 2026, the state approved a 1.22% average decrease in workers' comp loss costs.Insurers must now also offer direct deposit for wage loss benefits. Commercial auto is moving the other way, with premiums up 5.8% in Q1 2026, the 59th straight quarterly increase. See our guide to workers comp insurance in Pennsylvaniafor more detail.

Coverage Required in PA? Who Needs It
Workers Comp Generally yes, with employees Most employers
Commercial Auto Yes, for business-owned vehicles Companies with titled vehicles
General Liability Not by state law Often required by leases and contracts
Commercial Property Not by state law Often required by lenders
BOP No Small businesses wanting bundled coverage

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

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Commercial Property and Industry Specific Coverage

Commercial property insurance protects your building, inventory, tools, and equipment from fire, theft, storms, and burst pipes. Rates have recently moved in buyers' favor. Commercial property pricing fell an average of 13% in Q2 2026as reinsurance capacity grew. The state also issued Notice 2026-07, which deregulated certain commercial lines to encourage competition. That combination makes this a good time to re-shop a policy you haven't reviewed in years.


Underinsuring is the gap we see most often. Owners list equipment at its purchase price from 2015 instead of what it would cost to replace today, so a total loss pays out far less than they expect.


Different trades need different endorsements. Explore our industry coverage optionsfor contractors, retailers, restaurants, and more. That page serves as the hub for all of our Pennsylvania commercial and city-specific insurance pages.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Frequently Asked Questions About PA Business Insurance

Is workers comp required in PA?Generally yes. If you have employees, Pennsylvania requires workers compensation coverage, even for part-time staff.


What does a BOP cover?A BOP bundles general liability and commercial property coverage, and it often includes cyber protection. It's designed to give small businesses broad coverage in one policy.


Does my personal auto policy cover my work truck?Usually not, especially if the business owns the vehicle. Company-owned vehicles need commercial auto coverage.


How much is general liability insurance in Pennsylvania?Industry estimates put the median at around $41 a month for small businesses, but your rate depends on your trade, revenue, and claims history.


Do I need business insurance if I work from home?Often yes. Homeowners policies typically exclude business equipment and client injuries connected to your work.


Why use an independent agent? An independent agent compares multiple carriers on your behalf instead of selling a single company's products.


The right business coverage in Pennsylvania starts with the basics: liability for the public, workers comp for your team, auto for your vehicles, and property for your equipment. After that, you fine-tune for local risks like frozen pipes and the state's tough litigation climate. MVP Insurance holds Ohio license #37714, Pennsylvania license #519263, and NPN 10588293.


If you'd rather have someone else do the comparison shopping, start your quotewith our team in Zelienople or New Springfield. We'll review how your business actually runs and show you where your current policies leave gaps.

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield, Ohio and Zelienople, Pennsylvania and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help contractors, landlords and real estate investors, restaurants, retail shops, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Our Owners

Two friends who started an agency

Owner

Joshua Medure

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

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About the Author

Joshua Medure

Owner, MVP Insurance

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

Personal Insurance in Ohio & Pennsylvania

Coverage for your home, your car, and your family

Protect the everyday things that mean the most to you.

Homeowners Insurance

Your home is one of your most valuable assets. We compare carriers to protect the house, your belongings, and your liability.

Car Insurance

We proactively shop the market to find the best combination of coverage and price for every car in your driveway.

Renters Insurance

Own a condo or rent your home? We insure your unit, your belongings, and your personal liability at a fair rate.

Umbrella Insurance

Extra liability protection above your home and auto policies. Large coverage limits for a small added cost each year.

Life Insurance

Protect the people who rely on you most, so they can keep their home and lifestyle if the unexpected happens.

Flood Insurance

Standard home policies do not cover flooding. We help you add flood coverage through the NFIP or a private carrier before the water rises.

Business Insurance in Ohio & Pennsylvania

No matter how big or small your business, we protect it

Practical coverage for your people, your property, and the work you do.

General Liability

Protection when someone outside your business is hurt or their property is damaged because of your work or your premises.
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Business Owners Policy

One policy that bundles property and liability for small businesses. Simple, affordable protection for your building and contents.
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Professional Liability

Protection when a client says your advice or work caused them a loss. A staple of any solid commercial package.
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Commercial Property

Helping landlords and commercial real estate investors insure their buildings, habitational risks, and the rental income they produce.
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Workers Compensation

Protecting your employees is protecting your business. Medical bills and lost wages covered when someone gets hurt on the job.
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Commercial Auto

With a wide selection of commercial auto carriers, we find the right coverage for your trucks, vans, and drivers.
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Industries We Serve

Insurance built around the work you do

Every industry carries different risks. We know the coverage each one needs and shop the carriers that write it well.

Contractors Insurance

General contractors, remodelers, roofers, and trade crews. We cover the liability, tools, vehicles, and workers your jobs depend on.

Plumber Insurance

Water damage claims follow plumbers everywhere. We cover your liability, your tools, your van, and your crew, job after job.

Restaurant Insurance

Kitchens, bars, and cafes face fire, spoilage, and slip risks. We package property, liability, and liquor coverage in one plan.

5-Star Rated on Google

What our clients say

Our clients say it best. Here is what they share about working with Josh, Dave, and the MVP team.

Contractors & Tradesmen

General contractors, roofers, electricians and plumbers. We cover liability, tools, vehicles and crews so every job stays protected.

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Insurance Tips & News

Insurance tips for Ohio and Pennsylvania families and businesses

Practical ideas for protecting what matters to you.

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Insurance Questions, Answered

Questions our clients ask

A little clarity can make your next step easier.

  • What does an independent insurance agency do?

    An independent agency works with multiple insurance companies. We compare your options, explain the differences, and help you choose coverage that fits your needs.

  • Can MVP Insurance quote both my home and auto?

    Yes. We can compare home and auto insurance options together. We explain available discounts and check how the policies work together.

  • Do you insure businesses in Ohio and Pennsylvania?

    Yes. We help businesses in both states compare options for property, liability, employees, and commercial vehicles. The right policy depends on your work and the risks involved.

  • How do I import my current policy for a quote?

    Use our Canopy policy import link to share your current policy information. Our team can then review your existing coverage and compare options with you.

  • How do I report a claim or make a payment?

    Visit our Client Center for billing and claims information. You can also call either office for help finding the right carrier contact.

  • How often should I review my insurance?

    Review your coverage each year and after a major change, such as a move, new vehicle, or business expansion. Tell us what changed so we can help you check your protection.

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