Business Insurance for Lancaster, York, Harrisburg & All of PA
Protect your business, nonprofit, or farm with tailored commercial insurance from a local, independent agency that understands Pennsylvania risks.
Community Insurance specializes in property and casualty coverage for businesses across Lancaster County, York, Harrisburg, and throughout Pennsylvania. From Main Street shops and professional offices to busy nonprofits and working farms, every operation faces its own set of risks—and a one-size-fits-all policy isn’t enough. As an independent commercial insurance agency in PA, we compare options from multiple carriers to build a program that matches your real-world exposures and budget. Whether you’re just starting out or managing a growing operation, we focus on long-term protection, clear guidance, and responsive service when you need it most.
Comprehensive Coverage for Your Business
No two Pennsylvania businesses look the same, and neither should their insurance. Community Insurance takes time to understand how you operate, who you serve, and which assets keep your doors open—from buildings and vehicles to tools, data, and people. We then tailor a combination of business insurance policies that address your specific liability, property, auto, and employee-related risks. Our goal is to be a year-round partner to your organization, not just the place you call at renewal time.
Business Owners Policy (BOP)
A convenient package that typically combines general liability and commercial property coverage for eligible small and mid-sized businesses. A BOP can simplify your policy stack and often costs less than buying these coverages separately.
Commercial Property Insurance
Covers your building, equipment, inventory, and other business property against events like fire, theft, vandalism, and certain weather damage. Whether you own your building, lease office space, or operate from a shop on the farm, commercial property insurance keeps essential assets protected.
Workers Compensation
Required for most employers in Pennsylvania, workers’ comp helps cover medical costs and lost wages when employees suffer work-related injuries or illnesses. We help you navigate state requirements while watching for classification accuracy and other factors that affect your premium.
Nonprofit Insurance Programs
Tailored packages that can include general liability, directors and officers (D&O), property, abuse and molestation coverage, and more—built around the needs of nonprofit organizations. We help boards, staff, and volunteers focus on their mission, not their exposure.
Group Benefits
Customizable group benefits packages that can include health, dental, vision, life, and disability coverage—designed to help you attract and retain great employees while staying within budget. We’ll walk you through options, compare carriers, and build a program that fits your team, your goals, and your bottom line.
Commercial Farm Coverage
Coverage designed for working farms, agribusinesses, and rural operations across Lancaster County and Central PA. A farm policy can combine dwelling and farm property coverage with protection for barns and outbuildings, equipment and machinery, livestock, farm liability, and even farm vehicles—helping keep your operation running through every season.
General Liability Insurance
Helps protect your business if someone claims your operations caused bodily injury, property damage, or personal/advertising injury. From customer slip-and-fall incidents to damage at a client’s location, general liability is a foundational layer of protection for most PA businesses.
Commercial Auto Insurance
Provides coverage for vehicles titled to your business or regularly used for work—company cars, pickup trucks, vans, service trucks, and more. Policies can include liability, physical damage, and specialized options for hired and non-owned autos so you’re protected whether employees drive business-owned vehicles or their own cars on the job.
Commercial Umbrella Insurance
Adds an extra layer of liability protection above your underlying general liability, auto, and other policies. Umbrella coverage can be especially important for businesses with higher public traffic, larger contracts, or operations where a single claim could exceed standard policy limits.