--- title: 5 Drivers of Business Insurance Costs in Berks County and Beyond description: Learn the key factors driving business insurance costs, and how to reduce your insurance rates in Reading, Berks County, Philadelphia, and Lancaster. image: https://www.aigltd.com/hs-fs/file-19436500-jpg/images/5-drivers-of-business-insurance-costs-berks-county-reading-pa-250.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## 5 Drivers of Business Insurance Costs in Berks County and Beyond Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Thu, Feb 14, 2013 - [Tweet](https://twitter.com/share) ## Use Knowledge to Offset Higher Business Insurance Costs ![5 Drivers of Business Insurance Costs Berks County Reading PA 250](https://www.aigltd.com/hs-fs/file-19436500-jpg/images/5-drivers-of-business-insurance-costs-berks-county-reading-pa-250.jpg)Having the proper business insurance can be vital to growing your company and protecting your future. While every business varies in terms of exposure to risk and the related cost of coverage, knowing the 5 key cost drivers can help you reduce your insurance costs, whether you are in a mid-sized city like Reading or Allentown, a smaller city like York or Lancaster, or a large city like Philadelphia, especially if you consider costs before launching your business. In the end, the cost of business insurance is driven by risk levels as perceived by your insurance carrier, and increases due to higher levels of risk. Regardless of the precise details associated with your business, your costs will be affected by some factors that statistically are related to your company type, company location, and other factors.  ## **Here are 5 Key Drivers of Business Insurance Costs:** ### **#1 - Coverage Level Desired** It goes almost without saying that the cost of your business insurance coverage depends largely on the amount of coverage you desire. It is wise to get the advice of a trusted independent insurance agent before finalizing your coverage level. In some cases you may be able to reduce coverage in a policy if the coverage overlaps with protection already provided in another policy. ### **#2 - Business Location** Insurance costs may vary widely by state and by city. Businesses located in high-risk areas will pay higher rates. Risk assessments are affected not only by crime rates, but by the likelihood of incurring damage due to storms and other natural disasters. Check with your insurance agent regarding insurance costs prior to relocating your business or purchasing a new property. ### **#3 - Market** A business in an industry known for high losses will incur higher insurance costs, all else being equal. Industries known for physical risk and high worker's compensation losses will incur higher commercial insurance costs. Expect considerable swings in insurance rates based on the percentage of your employees working in an office setting vs. a construction or other setting known for physical risk. ### **#4 - Business Insurance Claims History** As with auto insurance and homeowners insurance, businesses also incur higher rates as the frequency of their claims increases. Consider potential cost increases that may result from filing a claim vs. covering the cost out of pocket without filing a claim, especially when you are considering changing insurance carriers.  ### **#5 - Optional Coverage Selected**  Although adding optional coverage increases your total insurance bill, optional coverage may be to your benefit. Consider business interruption insurance and key person insurance for executives and others who cannot be easily replaced, and whose absence is likely to cause a slowdown in business. ### ***Do it Right - Get Help*** Knowing the key drivers of business insurance costs and planning accordingly can help you navigate your insurance coverage options, and help you achieve the right level of coverage at the right price. Ask your independent insurance agent for assistance in understanding your options and the impact on cost. ### ***We're Ready to Assist You with All Your Business Insurance Needs*** American Insuring Group is an independent insurance agency located near Reading, PA, in Berks County. We can help you get the right business insurance coverage for your business at the best price by researching the most affordable insurance costs from our many competing insurance carriers.  Contact us today at **800-947-1270** and request a no-obligation, no-cost consultation, or fill out the form on our **[Contact Us](https://www.aigltd.com/contact/)** page to get started. Tags: [Business Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-reading-pa), [Business Insurance Berks](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-berks), [Business Insurance Philadelphia Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-philadelphia-pa), [Business Insurance Lancaster Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-lancaster-pa), [Business Insurance Harrisburg Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-harrisburg-pa), [Business Insurance York Pa](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-york-pa), [Small Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance), [Small Business Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance-reading-pa), [Commercial Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-allentown-pa), [Commercial Insurance Lancaster PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-lancaster-pa), [Commercial Insurance Harrisburg PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-harrisburg-pa), [Commercial Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance), [Commercial Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-reading-pa), [Business Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-allentown-pa), [Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance), [Commercial Insurance Philadelphia PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-philadelphia-pa), [Commercial Insurance York PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-york-pa), [Commercial Insurance Berks County](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-berks-county) ### Why Customers Love and Trust Us! ### Subscribe to Receive Helpful Blog Posts Get the Right Coverage and Save Big with American Insuring Group!   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business) ### Latest Posts ### Posts by Category - [Accident Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/accident-insurance) - [Affordable Car Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-car-insurance) - [Affordable Care Act (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-care-act) - [Affordable Motorcycle Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/affordable-motorcycle-insurance) - [appliance insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/appliance-insurance) - [Bar Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/bar-insurance) - [Bobtail Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/bobtail-insurance) - [Brew Pub Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/brew-pub-insurance) - [Brewery Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/brewery-insurance) - [Builders Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/builders-insurance) - [Builders Risk Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/builders-risk-insurance) - [Business Insurance (123)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance) - [Business Insurance Allentown PA (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-allentown-pa) - [Business Insurance Berks (31)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-berks) - [Business Insurance Harrisburg Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-harrisburg-pa) - [Business Insurance Lancaster Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-lancaster-pa) - [Business Insurance Philadelphia Pa (25)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-philadelphia-pa) - [Business Insurance Reading PA (29)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-reading-pa) - [Business Insurance York Pa (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-york-pa) - [Business Interruption Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-interruption-insurance) - [Business Overhead Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-overhead-insurance) - [Buy-Sell Agreement Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/buy-sell-agreement-insurance) - [Car Insurance (16)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance) - [Car Insurance Allentown PA (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-allentown-pa) - [Car Insurance Harrisburg PA (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-harrisburg-pa) - [Car Insurance Lancaster PA (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-lancaster-pa) - [Car Insurance Philadelphia PA (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-philadelphia-pa) - [Car Insurance Reading PA (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/car-insurance-reading-pa) - [Cargo Trucking Insurance (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cargo-trucking-insurance) - [CGL (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cgl) - [Commercial Auto Insurance (14)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-auto-insurance) - [Commercial General Liability Insurance (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-general-liability-insurance) - [Commercial Insurance (147)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance) - [Commercial Insurance Allentown PA (40)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-allentown-pa) - [Commercial Insurance Berks County (38)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-berks-county) - [Commercial Insurance Harrisburg PA (38)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-harrisburg-pa) - [Commercial Insurance Lancaster PA (36)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-lancaster-pa) - [Commercial Insurance Philadelphia PA (43)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-philadelphia-pa) - [Commercial Insurance Reading PA (40)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-reading-pa) - [Commercial Insurance York PA (33)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-york-pa) - [Commercial Liability Insurance (34)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-liability-insurance) - [commercial property insurance (25)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-property-insurance) - [Commercial Sign Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-sign-insurance) - [commercial vehicle insuarance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insuarance) - [Commercial Vehicle Insurance (80)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicle-insurance) - [commercial vehicles (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-vehicles) - [Construction Defect (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-defect) - [Construction Equipment Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-equipment-insurance) - [Construction Insurance (87)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-insurance) - [Construction Risk Insurance (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/construction-risk-insurance) - [Contractor Insurance (107)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractor-insurance) - [Contractor Safety Management (50)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractor-safety-management) - [Contractual Risk Transfer (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/contractual-risk-transfer) - [CPPI Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cppi-insurance) - [Critical Illness Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/critical-illness-insurance) - [Cyber Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cyber-insurance) - [Cyber Liability Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/cyber-liability-insurance) - [d Life Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/d-life-insurance) - [design-build insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/design-build-insurance) - [Disability Buy-Out Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disability-buy-out-insurance) - [Disability Insurance (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disability-insurance) - [Disaster Recovery Plan (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/disaster-recovery-plan) - [Driverless Cars and Trucks (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/driverless-cars-and-trucks) - [Drone Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/drone-insurance) - [ELD Mandate (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/eld-mandate) - [Electronic Logging Devices - ELD (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/electronic-logging-devices-eld) - [Employee Benefits (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/employee-benefits) - [Employment Practices Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/employment-practices-liability-insurance) - [EPLI (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/epli) - [Errors and Omissions Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/errors-and-omissions-insurance) - [Excess Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/excess-insurance) - [Fire Safety (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/fire-safety) - [Flood Insurance (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance) - [Flood Insurance Philadelphia PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance-philadelphia-pa) - [Flood Insurance Reading PA (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/flood-insurance-reading-pa) - [Food Transportation Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/food-transportation-insurance) - [Food Truck Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/food-truck-insurance) - [GAP Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/gap-insurance) - [Health Insurance (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance) - [Health Insurance Allentown (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-allentown) - [Health Insurance Berks County (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-berks-county) - [Health Insurance Harrisburg (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-harrisburg) - [Health Insurance Lancaster (13)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-lancaster) - [Health Insurance Philadelphia (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-philadelphia) - [Health Insurance Reading PA (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/health-insurance-reading-pa) - [Heavy Equipment Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/heavy-equipment-insurance) - [Home Business Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/home-business-insurance) - [Home Sharing Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/home-sharing-insurance) - [Homeowners Insurance (30)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance) - [Homeowners Insurance Allentown Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-allentown-pa) - [Homeowners Insurance Berks County (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-berks-county) - [Homeowners Insurance Harrisburg PA (14)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-harrisburg-pa) - [Homeowners Insurance Lancaster Pa (17)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-lancaster-pa) - [Homeowners Insurance Philadelphia Pa (22)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-philadelphia-pa) - [Homeowners Insurance Reading Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-reading-pa) - [Homeowners Insurance York PA (13)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/homeowners-insurance-york-pa) - [House Insurance (19)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance) - [House Insurance Allentown Pa (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-allentown-pa) - [House Insurance Lancaster Pa (10)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-lancaster-pa) - [House Insurance Philadelphia Pa (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-philadelphia-pa) - [House Insurance Reading PA (12)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/house-insurance-reading-pa) - [Hurricane Harvey (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/hurricane-harvey) - [Insurance Berks Pa (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-berks-pa) - [Insurance Infographics (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-infographics) - [Insurance Reading Pa (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/insurance-reading-pa) - [Internet of Things (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/internet-of-things) - [IoT (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/iot) - [Key Person Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/key-person-insurance) - [Landlord Insurance (35)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance) - [Landlord Insurance Berks County (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-berks-county) - [Landlord Insurance Reading PA (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-reading-pa) - [Life Insurance (28)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance) - [Life Insurance Allentown Pa (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-allentown-pa) - [Life Insurance Berks Pa (20)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-berks-pa) - [Life Insurance for Children (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-for-children) - [Life Insurance for Singles (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-for-singles) - [Life Insurance Harrisburg Pa (21)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-harrisburg-pa) - [Life Insurance Lancaster Pa (21)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-lancaster-pa) - [Life Insurance Philadelphia Pa (23)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-philadelphia-pa) - [Life Insurance Reading PA (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-reading-pa) - [Life Insurance York Pa (18)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance-york-pa) - [Liquor Liability Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/liquor-liability-insurance) - [Long Term Care Insurance (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/long-term-care-insurance) - [Managed Care Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/managed-care-insurance) - [Mold Remediation Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/mold-remediation-insurance) - [Money and Securities Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/money-and-securities-insurance) - [Motor Carrier Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motor-carrier-insurance) - [Motorcycle Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance) - [Motorcycle Insurance Allentown (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-allentown) - [Motorcycle Insurance Harrisburg (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-harrisburg) - [Motorcycle Insurance Lancaster (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-lancaster) - [Motorcycle Insurance Philadelphia (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-philadelphia) - [Motorcycle Insurance Reading PA (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-reading-pa) - [Motorcycle Insurance York (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/motorcycle-insurance-york) - [Nail Gun Safety (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/nail-gun-safety) - [Nightclub Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/nightclub-insurance) - [Opioid Epidemic (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/opioid-epidemic) - [Pa (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa) - [PA Flood Insurance (5)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa-flood-insurance) - [PA Workers Compensation Insurance (65)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pa-workers-compensation-insurance) - [Pennsylvania Business Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pennsylvania-business-insurance) - [Physical Damage Truck Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/physical-damage-truck-insurance) - [Pollution Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/pollution-liability-insurance) - [Private Carrier Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/private-carrier-insurance) - [Product Liability Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/product-liability-insurance) - [Professional Liability Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/professional-liability-insurance) - [Professional Liability Lawsuit (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/professional-liability-lawsuit) - [Public Liability Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance) - [Public Liability Insurance Berks County (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-berks-county) - [Public Liability Insurance Reading PA (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-reading-pa) - [Refrigerated Truck Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/refrigerated-truck-insurance) - [Rental Property Insurance (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/rental-property-insurance) - [Repetitive Motion Injuries (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/repetitive-motion-injuries) - [Restaurant Insurance (76)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance) - [Restaurant Insurance Allentown PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-allentown-pa) - [Restaurant Insurance Costs (32)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-costs) - [Restaurant Insurance Lancaster PA (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-lancaster-pa) - [Restaurant Insurance Philadelphia PA (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-philadelphia-pa) - [Restaurant Insurance Pittsburgh PA (3)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-pittsburgh-pa) - [Restaurant Insurance Reading PA (6)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-reading-pa) - [Restaurant Liability Insurance (17)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-liability-insurance) - [Restaurant Safety (24)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-safety) - [Retirement Planning (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/retirement-planning) - [Return-To-Work Programs (15)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/return-to-work-programs) - [RV Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/rv-insurance) - [Safe Driving Tips (18)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/safe-driving-tips) - [Safety Programs (34)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/safety-programs) - [Small Business Insurance (30)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance) - [Small Business Insurance Reading PA (16)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance-reading-pa) - [Teen Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/teen-insurance) - [Tennant Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/tennant-insurance) - [Texting (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/texting) - [Tool Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/tool-insurance) - [Toolbox Talk (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/toolbox-talk) - [truck insurance (84)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/truck-insurance) - [trucker insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/trucker-insurance) - [Trucking Insurance (74)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/trucking-insurance) - [Umbrella Insurance (8)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/umbrella-insurance) - [Umbrella Liability Insurance (4)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/umbrella-liability-insurance) - [Unoccupied Property Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/unoccupied-property-insurance) - [Utility Service Interruption Insurance (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/utility-service-interruption-insurance) - [Van Insurance (9)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/van-insurance) - [Vocational Rehabilitation (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/vocational-rehabilitation) - [WC Insurance (7)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/wc-insurance) - [Winter Driving Tips (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/winter-driving-tips) - [workers comp (67)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp) - [workers comp costs (119)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp-costs) - [workers comp insurance (49)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-comp-insurance) - [Workers Compensation Insurance (186)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance) - [Workers Compensation Insurance Fraud (11)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance-fraud) - [Workers Compensation Insurance Infographics (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-insurance-infographics) - [Workers Compensation Vendor Management (2)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/workers-compensation-vendor-management) - [Wrap Up Insurance (1)](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/wrap-up-insurance) Serving Pennsylvania with affordable car, life, health, homeowner’s, renter’s, business, commercial, and other types of property insurance for over 30 years. Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, Altoona, York, & State College Pennsylvania areas. [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](https://www.facebook.com/American-Insuring-Group-Ltd-229692490403872/) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](https://www.linkedin.com/in/david-ross-91063918/) © 2015 American Insuring Group, LTD