Best General Liability Insurance in Pennsylvania (2025)

In our evaluation of the best general liability insurance providers in Pennsylvania, we considered multiple criteria, including their cost-effectiveness for LLCs and sole proprietors, customer satisfaction, financial stability and the efficiency of their online quote processes.

After conducting a comprehensive analysis, Thimble stood out as the ultimate winner, offering the state's best and cheapest coverage. For LLCs with 20 employees, Thimble provides an average monthly cost of $62, while sole proprietors with no employees can get coverage at a monthly average of just $22.

Thimble offers the best general liability insurance in Pennsylvania, earning an impressive MoneyGeek score of 94 out of 100. To assist you in making an informed decision, we have compiled a table showcasing the costs and MoneyGeek scores of all the insurance providers we assessed in Pennsylvania.

Thimble is the cheapest provider overall, offering an average monthly rate of $22 for sole proprietors and $62 for LLCs. Our ranking methodology utilizes an affordability score that accounts for the monthly costs for both sole proprietors and LLCs.

It's worth noting that Next provides even lower rates for sole proprietors, with a monthly cost of $27. But its average monthly cost for both types of businesses remains higher than Thimble.

Nationwide provides the best general liability insurance in Pennsylvania for employers, earning an outstanding MoneyGeek score of 98 out of 100. For LLCs, Nationwide offers an affordable average monthly cost of $46.

These rankings are based on the average monthly cost for LLCs with 20 employees. Businesses with fewer than 20 employees can expect to pay below the average price, while those with a larger employee count may encounter higher premiums.

biBERK is our top pick for general liability insurance in Pennsylvania for sole proprietors, boasting an impressive MoneyGeek score of 97 out of 100. With a monthly rate of $23, biBERK offers unmatched affordability for sole proprietors. We based our rankings on the average cost for sole proprietors without employees. It's important to remember that sole proprietors operating in higher-risk industries, such as construction, may experience higher costs due to increased liability considerations.

Pennsylvania state law does not require businesses to purchase general liability insurance, though it's strongly recommended as an essential form of business insurance. This coverage provides vital protection against potential lawsuits and claims that could arise. While the state does not impose a requirement, certain industries and contracts may necessitate the presence of general liability coverage.

The state of Pennsylvania does mandate that businesses with one or more employees have workers' compensation insurance, except for executive officers and domestic employees. This essential coverage guarantees that employees are protected in the event of work-related illnesses or injuries.

In Pennsylvania, the minimum legal requirements for commercial auto insurance are as follows:

• $15,000 per person
• $30,000 per accident for bodily injury
• $5,000 for property damage

The cost of general liability insurance in Pennsylvania varies based on the type of business structure. On average, limited liability companies (LLCs) can expect to pay around $143 per month, while sole proprietors can anticipate a monthly cost of approximately $28.

Our analysis considered the typical policy limits associated with general liability insurance. These limits commonly include a $2 million aggregate limit and a $1 million occurrence limit. The aggregate limit signifies the maximum amount the insurance policy will pay for all claims within the specified policy period. On the other hand, the occurrence limit represents the maximum amount the insurance will pay for each individual claim.

The policy we evaluated does not feature a deductible. This implies that the business owner is not required to make any initial out-of-pocket payments before the insurance coverage takes effect to address a claim.

Multiple factors come into play when determining a business's general liability insurance cost, including:

If you're finding it challenging to select the most suitable general liability insurance for your specific needs, we've compiled some answers to commonly asked questions to help you make an informed decision.