Business

As a business owner, you work hard to cultivate and maintain your business. But there are a number of risks that could threaten what you’ve built. Erie Insurance has put its knowledge of risks to work by offering products and services to help protect you and your business. Read more about the coverage that is available from Erie Insurance and our agency.*

Retail, Service, Offices, Manufacturing
Ultrapack PlusSM
ERIE’s Ultrapack policy is designed to provide insurance coverage for small to medium size religious organizations and retail, wholesale, office and service businesses. Examples include gift shops and specialty stores, bakeries, deli and coffee shops, barbershops and beauty salons, accounting and bookkeeping firms, and medical and dental offices.
UltraflexSM
ERIE’s Ultraflex policy can be specifically tailored to provide insurance coverage for any ERIE eligible business or institution. Eligible businesses include most types of hospitality, institutional, contracting, manufacturing and processing risks. Examples of Ultraflex Customers include restaurants, hotels, golf courses, printers, daycare centers, grocery stores, commercial contractors, machine shops and tool and die shops.
Real Estate/Property Management
UltrasureSM for Property Owners
ERIE’s Ultrasure for Property Owners policy is designed to meet the property and liability needs of commercial property owners. Targeted commercial property includes apartment buildings, condominiums, leased offices, shopping centers and other properties.
Contractors
FivestarSM for Contractors
ERIE’s Fivestar Contractors program is designed for artisan tradespeople and residential construction contractors. Additional coverage can be written to meet your business needs for employee tools, contractors’ equipment, voluntary property damage, and installation and builders’ risk coverage.
Business Auto and Auto Sales, Service and Repair
Business Auto and Garage Auto

ERIE’s Business Auto policy provides liability, collision and comprehensive coverage to meet your business needs. Whether you own retail, wholesale delivery, contractor or service industry vehicles, ERIE will customize your policy to meet your specific needs.

ERIE’s Garage Auto policy provides insurance for all aspects of auto sales and service. This policy provides liability coverage for your work and physical damage coverage on your Customers’ autos as well as your own. Eligible operations include auto repair garages, service stations, auto detailers, and franchised and non-franchised auto dealerships.

Special Lines Coverage
Business Catastrophe Liability
ERIE’s Business Catastrophe Liability policy provides additional liability coverage for eligible business operations. It serves as a financial reserve or cushion against a judgment beyond the limits of your primary liability policy.
Employment Practices Liability Insurance

An Employment Practices Liability (EPL) claim can be leveled at any business. Any of these practices – hiring, performance assessments, payroll decisions and terminations – can give rise to an EPL claim.

EPL insurance is an affordable way for business owners to protect against claims brought by employees alleging discrimination, wrongful termination or harassment, including sexual harassment. ERIE can also provide coverage for prior acts and third-party liability.

Workers’ Compensation

Workers’ Compensation insurance provides coverage for employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides Employers’ Liability insurance for any related suits that are permitted under state law.

ERIE also provides many services to help prevent and manage employee injury, including loss control resources, physician panels and medical management.

Commercial and Contract Bonds
Your word is your bond; however, in some instances, you’ll need that in writing. ERIE’s bond program offers several surety tools to satisfy your business requirements. The variety of ERIE products includes Contract Bonds, License and Permit Bonds, Court Bonds, Judicial Bonds, Public Official Bonds and Financial Guaranty Bonds.

Get a business insurance quote or contact our agency for more information about ERIE’s auto insurance options.

Our agency is dedicated to helping people make decisions about their insurance needs. If you’re interested in obtaining more information or a quote, contact us.

* See individual policies for specific details of coverages. Certain terms and limitations apply.