--- title: Do I Need Commercial Auto Insurance for My Restaurant? description: If you use a vehicle for commercial purposes, your personal auto insurance may not cover damages, but that doesn’t mean you need commercial auto insurance. image: https://www.aigltd.com/hubfs/Auto-Insuance-for-Restaurants.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! ## Do I Need Commercial Auto Insurance for My Restaurant? Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Wed, Jul 27, 2022 - [Tweet](https://twitter.com/share) ![Get the Proper Auto Insurance for Your Restaurant Business in Philadelphia, Pittsburgh, Allentown, Reading, Wyomissing, Lancaster, Harrisburg and throughout PA.](https://www.aigltd.com/hs-fs/hubfs/Auto-Insuance-for-Restaurants.jpg?width=820&name=Auto-Insuance-for-Restaurants.jpg)Insurance – including [Restaurant Insurance](https://www.aigltd.com/restaurant-insurance-berks-county) - is all about risk. The higher the risk of a claim, the higher the cost of the insurance. The same is true of auto insurance, and let’s face it, driving can be risky. According to the [National Highway Traffic Safety Administration](https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813266) (NHTSA), in 2020, there were 5.24 million police-reported crashes in the U.S., which caused 2.28 million injuries and 38,824 fatalities (a 6.8% increase over 2019).  A vehicle used for commercial purposes is considered a higher risk because it may be driven more often or by more than one driver. Therefore, if you own a vehicle used for commercial purposes – making deliveries, visiting customers, etc. – your personal auto insurance may not cover damages caused when you or an employee uses your vehicle for commercial purposes.  ## **3 Auto Insurance Options** ### **Personal Auto Insurance** A personal auto insurance policy covers property damage, bodily injuries, and legal expenses. While some personal auto insurance policies include limited coverage for business use, this type of policy is typically limited to accidents that occur during personal use, such as commuting to and from work and other travel unrelated to your job/business. In addition, a personal auto insurance policy typically insures the owner and one or two immediate family members only.  ### **Commercial Auto Insurance** A commercial auto insurance policy covers vehicles owned by a business. It covers vehicles used to drive customers or employees, perform a service you’ve been paid for, transport goods, and other business uses. Like personal auto insurance, Commercial Auto Insurance covers property damage, bodily injuries, and legal expenses. It also typically includes additional insureds, such as employees, and covers different types of vehicles, larger claims, and more complicated legal issues. ###  **Hired and non-owned auto insurance (HNOA)** HNOA insurance provides coverage for vehicles your business does NOT own but uses for commercial purposes, such as running business errands, picking up supplies, and visiting customers. This includes your employees’ vehicles used for business purposes and vehicles you rent or lease to use for business purposes. HNOA insurance can be purchased as a rider to your general liability insurance or as a standalone policy. It’s important to note that HNOA does NOT cover damage to your own property – only third-party liability costs. ##  **How to Lower the Risk of an Accident** [Studies](https://drivethru.gsa.gov/DRIVERSAFETY/DistractedDrivingPosterA.pdf) show that 98% of auto accidents are caused by human error. The following are the top six human driver errors: 1. Failure to wear a seatbelt 2. Excessive speeding 3. Distraction/in attentiveness 4. Incorrect assumptions about other drivers 5. Tailgating/not leaving enough space between vehicles 6. Not checking traffic before pulling out or crossing lanes  The fewer accidents you or your employees are involved in, the fewer insurance claims and the lower your auto insurance costs. Here are five steps to minimize the risk of an auto accident: 1. Check employee driving records before allowing them to drive a vehicle for business purposes 2. Provide safe driving training 3. Research vehicle safety records before purchasing, renting or leasing a vehicle 4. Create and enforce a policy for employee cell phone use while driving 5. Download the National Safety Council’s [FREE online Safe Driving Kit](https://cloud.safe.nsc.org/safe-driving-kit) ## **How to Lower Your Auto Insurance Cost** The best way to lower the cost of your insurance is to work with one of the experienced agents at American Insuring Group. We will help determine the best type of insurance for your needs and then – as independent agents – check with multiple insurance companies to ensure that you pay the lowest premium for that insurance. Call us today at **(800) 947-1270** or **(610) 775-3848**, or [**connect with us online**](https://www.aigltd.com/contact)**.** Tags: [Restaurant Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance), [Commercial Auto Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-auto-insurance), [Restaurant Insurance Costs](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/restaurant-insurance-costs) ### 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