Coverage for Your Business in York and Lancaster, PA

Protect your Investment

Jeffers Insurance Agency provides insurance to businesses in York, Lancaster, Hanover, Harrisburg, Shrewsbury, Mechanicsburg, and surrounding areas.

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Jeffers Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Jeffers Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

We offer the following options for your business assets: 

• Commercial property insurance
• Commercial general liability
• Business owners policy (BOP)
• Inland marine insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Professional liability
• Workers compensation
• Crime insurance
• And much more …

How Much Business Insurance Do I Need? 

Although not all of the aforementioned coverages may be legally required, your business insurance policy should still be robust and diverse. When determining your coverage needs, consider the following aspects of your business:

 

• Operations

• Number of employees

• Location

• Experience level of employees

• Ownership arrangement (e.g., sole proprietorship, partnership, corporation)

• Customer base

As a general rule, the higher your business’s risk levels, the more coverage you will need. As your company grows or evolves, you may need to acquire various additional types of coverage. 

How Much Does Business Insurance Cost? 

Like business insurance needs, a policyholder’s costs can also vary significantly. When providing you with a quote, providers will usually consider the following factors: 

• Location—Legal requirements and coverage needs may vary based on where your business operates.

• Industry—Certain industries may have inherently higher risk levels than others.

• Number of employees—In general, companies with larger workforces can expect to pay more for coverage.

• Payroll—Some coverages, such as workers’ compensation, may use your business’s total payroll as a determinant when calculating premiums.

• Claims history—Businesses with a history of operating a safe workplace may be able to obtain cheaper coverage.