Business Insurance

Lighthouse Insurance Services offers business owners protection through ERIEplaceableSM Business Insurance program. This collection of business property, commercial auto, professional liability, general liability, bonds and life products (to name a few) can be tailored to meet the specific needs of your business. Policies are designed to meet the insurance needs of a wide range of small to mid-size businesses. It includes coverages for your property, income protection and liability needs. Optional endorsement coverages allow the policy to be customized to your unique needs.

Just a few of the many benefits of the ERIEplaceableSM Business Insurance program include:

  • A variety of customizable policy offerings.
  • The professional and individual service of your local ERIE Agent.
  • A professional risk management administration department staffed by loss control representatives interested in helping you reduce your risk of loss.
  • A staff of professional claims representatives will promptly respond to your need for claims service.
  • A variety of premium payment plans that you can choose from.
  • If you need group life insurance we have a plan designed to cover your full-time workers.
  • Whether it is workers compensation or health insurance, we also offer insurance plans designed to cover your full-time workers.
  • Your business is like your home. You’ve worked hard to make it your own. We get that. So when something happens to your business, we're here to help.

The success of any business depends on hard work and ingenuity. Business insurance ensures that all the effort and money you have invested in your business is covered in case a disaster strikes. In general, businesses need to purchase at least the following four types of insurance:

  • Property insurance
  • Liability
  • Business vehicle insurance
  • Workers compensation insurance
  • Business catastrophe liability or umbrella policies
  • Specialized liability insurance policies - Errors and Omissions Insurance (E&O)/Professional Liability Insurance, Employment Practices Liability Insurance (EPLI) and Directors and Officers Liability Insurance (D&O).
  • Terrorism insurance