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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.

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Best General Liability Insurance in Pennsylvania

Best Overall General Liability Insurance in Pennsylvania

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.

How was this MoneyGeek score calculated?

MoneyGeek Score
Monthly Cost Without Employees
Monthly Cost With 20 Employees





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Best OverallScore: 94
5/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Offers the cheapest rates for sole proprietors

Delivers online quotes quickly

Excellent financial strength


Gets a high number of customer complaints

Company Highlights

Thimble is the leading general liability insurance provider in Pennsylvania, offering exceptional coverage. Sole proprietors in the state can benefit from Thimble's most affordable premiums at $22 per month, while LLCs are charged $62 per month. Thimble sets itself apart with an impressively rapid online quoting process, delivering estimates in a mere 19 seconds.

The company's financial strength is also noteworthy, boasting an A+ rating from AM Best. However, it is important to note that Thimble receives a comparatively higher number of customer complaints in Pennsylvania compared to other insurers.

Cheapest General Liability Insurance 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.

How was this MoneyGeek score calculated?

CheapestScore: 99
5/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Provides fast online quotes

Offers the cheapest monthly rates for sole proprietors

Third-cheapest monthly premiums for LLCs


Customer satisfaction can be improved

Company Highlights

Thanks to its competitive pricing and swift quoting process, Thimble is an excellent option for cost-conscious businesses looking for general liability insurance in Pennsylvania. With rates as low as $22 for sole proprietors and $62 for LLCs, Thimble delivers affordability without compromising quality. Notably, its online quote generation is quick, taking only 19 seconds to provide an estimate.

Thimble does have a slightly higher-than-average rate of customer complaints, as reported by the National Association of Insurance Commissioners (NAIC).

Best General Liability Insurance for Employers in Pennsylvania

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.

How was this MoneyGeek score calculated?

Best for EmployersScore: 98
5/5LLC Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Receives few customer complaints

A+ AM Best financial strength rating

Offers second-cheapest monthly rates for LLCs


It can take some time to obtain an online quote

Company Highlights

Nationwide emerged as the top choice for employers, given its remarkable customer satisfaction, strong financial stability and affordability for LLCs. According to the National Association of Insurance Commissioners (NAIC), it received the lowest number of complaints among the insurers we evaluated, highlighting its exceptional customer satisfaction.

Additionally, with an A+ financial strength rating from AM Best, Nationwide demonstrates its ability to pay out claims. The company also offers competitive monthly premiums for LLCs, averaging $46 per month. However, the online quote generation process with Nationwide may take around two minutes and 14 seconds.

Best General Liability Insurance for Sole Proprietors in Pennsylvania

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.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 97
5/5Sole Proprietor Affordability
4/5Customer Satisfaction
5/5Financial Stability
3/5Online Quote Process

Sole proprietors benefit from the second-cheapest monthly rates

A++ financial strength rating

Low number of customer complaints


Online quoting processing may take some time

Company Highlights

biBERK top pick for sole proprietors in Pennsylvania. It offers average monthly premiums at a budget-friendly rate of $23, ensuring that sole proprietors can secure essential business protection without straining their finances. With an outstanding A++ financial strength rating, biBERK showcases its robust financial stability and capability to fulfill policyholders' requirements.

This insurer also demonstrates its commitment to customer satisfaction by receiving fewer complaints than the industry average. However, obtaining an online quote from biBERK may take a bit longer, with an average response time of around two minutes and 20 seconds.

Do You Need General Liability Insurance in Pennsylvania?

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
smallBusiness icon

The Pennsylvania Business One-Stop Shop is a state government office dedicated to providing businesses with a wealth of knowledge, information and useful resources, regardless of size. It serves as a valuable resource, offering guidance and assistance throughout every stage of business development, ranging from initial planning and startup to ongoing business operation and expansion.

How Much Is General Liability Insurance in Pennsylvania?

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.

Factors That Impact General Liability Insurance Costs in Pennsylvania

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

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    Policy limits

    Opting for higher policy limits typically results in increased premiums since they provide enhanced financial protection for the business.

  • wage icon

    Number of employees and payroll costs

    Businesses with a larger workforce or higher payroll costs are often associated with increased risk exposure, resulting in higher insurance rates. Our data revealed that LLCs with 20 employees in Pennsylvania pay an average of $115 more per month than sole proprietors.

  • business icon

    Business location

    Companies in regions prone to natural disasters or areas with elevated crime rates may encounter higher insurance premiums than those in low-risk areas. This variation in risk exposure is why statewide premium averages differ from city-level averages.

  • uninsured icon

    Claims history

    Insurance providers tend to view businesses with a history of frequent or costly claims as higher risks. As a result, these businesses may experience an increase in their insurance premiums.

  • hammer icon


    Certain industries, such as construction or healthcare, inherently carry higher risks compared to other sectors. Consequently, businesses in these industries may face higher premiums, while those in industries with lower risk profiles could benefit from lower insurance premiums.

Monthly Cost Without Employees
Monthly Cost With 20 Employees

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Frequently Asked Questions About General Liability Insurance in Pennsylvania

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.

About Melissa Wylie

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Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.