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Business Insurance

You've worked hard to build and grow your business. With insurance from ERIE, you can keep it safe.

JD Power Small Business Insurance Trophy

Erie Insurance ranked highest in small business customer satisfaction by J.D. Power 

First isn’t just where we landed. It’s how we lead—by putting small businesses first. Erie Insurance ranked #1 in customer satisfaction, according to the J.D. Power 2025 U.S. Small Commercial Insurance Study.


For J.D. Power 2025 award information, visit jdpower.com/awards

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Protect your business

As your business has grown and changed, ERIE's coverage offerings have evolved to better serve you in an ever-changing business world.
ERIE now offers a comprehensive ErieSecure Business® policy.

Some of the benefits of an ErieSecure Business policy include:

Real time quoting, discounts on things like franchises, sprinkler systems and central or local fire alarm systems; and competitive coverage offerings such as Guaranteed Replacement Cost, Cyber Suite and Employment Practice Liability coverage, to name a few. 

Featured commercial coverage

Explore our most common coverage options for protecting your business and employees.

Business Auto Insurance 
Business Auto Insurance 
Your vehicles take you, your employees and your products where they need to be. And your business probably couldn’t function without them, which makes having commercial auto coverage you can truly count on essential. 
Commercial Property Insurance 
Commercial Property Insurance 
Whether it’s your building, your office equipment or your inventory, every business owner has commercial property that needs to be protected. ERIE understands that, which is why our commercial property insurance goes the extra mile to truly protect the place and the things that make your business run. 
Cyber Suite
Cyber Suite
Protecting your business is more complex than having the right locks on the doors. It’s about protecting your business from data breaches and cyberattacks and any related legal action. With Cyber Suite[1] from Erie Insurance, you can do just that. 
Business Umbrella Insurance
Business Umbrella Insurance
No business owner wants to consider the possibility of a catastrophic claim. Yet these kinds of claims do happen—and when they do, they have the potential to cause serious financial harm to your business. Fortunately, you can protect the business you worked so hard to build with an affordable business umbrella policy from ERIE.
Crime, Theft & Fraud Insurance
Crime, Theft & Fraud Insurance
No matter what type of business you run, you undoubtedly have valuable items within the walls of your building and employees who work in positions of trust. Unfortunately, even in the best workplaces, fraud, theft and other crimes can still happen. That’s why ERIE offers a variety of options to help protect you no matter the situation. Learn more. 
Workers’ Compensation
Workers’ Compensation
You depend on your employees to help you run your business. If one of your employees gets hurt on the job, your business could suffer. With a workers’ compensation policy from Erie Insurance, we’ll be there when you need us. 
Key Person Life Insurance & Business Continuation
Key Person Life Insurance & Business Continuation
As a business owner, you’ve put your heart and soul into making sure your business is successful. While you might not realize it, life insurance may be able to help ensure your business continues to thrive. Life insurance planning can help with transitioning ownership if it ever becomes necessary and help attract and retain key employees to protect the future of your business. It can also help you plan for your own retirement.  
Group Life Insurance
Group Life Insurance
Life insurance is a good way to make sure those who depend on you are financially protected if something unexpected happens. As a business owner, offering group life insurance is an easy way to provide your employees a benefit they value and appreciate. In today’s competitive job market, it’s one more way to attract and keep good employees—and it’s cost effective too.
Employment Practices Liability Insurance
Employment Practices Liability Insurance
Owning and running a business comes with many challenges. With Employment Practices Liability Insurance from Erie Insurance, you can be sure you have the protection you need from the things you least expect. With the support of your ERIE agent, you can rest easy knowing we’re here for the things you don’t expect, so you can focus on what you do best—running your business. 
Guaranteed Replacement Cost and Extended Replacement Cost 
Guaranteed Replacement Cost and Extended Replacement Cost 
Protecting your business is a no-brainer, but an unexpected claim isn’t the only threat to your business. The cost to rebuild could be an unpleasant complication, especially with the rising cost of materials. That’s where Guaranteed Replacement Cost (GRC) and Extended Replacement Cost (ERC) coverages come in. 
Commercial & Contract Bonds
Commercial & Contract Bonds
With a strong history of financial stability and a service, ERIE is here to help you when the unexpected happens with a variety of commercial and contract bonds. 
Abuse and Sexual Molestation Coverage
Abuse and Sexual Molestation Coverage
Provides support for both legal defense fees and damages against an organization.2 For more information on this coverage, talk to your ERIE agent.

Do you have the coverage you need?

Discover great rates from local people who care. Get a free business insurance quote now.

Commercial industry packages

Custom solutions crafted from years of experience helping business owners just like you protect what they’ve built.

Contractors
From property damage that covers tools to contractor liability insurance, ERIE offers a special mix of policies, endorsements and services that help contractors protect their business. 
Breweries, Wineries, Distillieries
You face some unique risks operating a brewery, winery or distillery. That’s why ERIE’s coverage is designed to help with a special mix of policies, endorsements and services. 
Religious Organizations
As a religious organization, you’re about so much more than your business operations. You spend each day focusing on your congregation and your community, which is why making sure your organization has the proper coverage should be the last thing you worry about.
Veterinarians & Pet Care
As a veterinarian and pet care provider, you’ve got your hands full helping pets and their people. Let ERIE help you protect your business.
Restaurants
Coverage to help your restaurant stay open and cover costs when the unexpected happens. 
Manufacturers
Machinery, products, employees—there are a lot of moving parts when you’re a manufacturer. With manufacturers insurance from ERIE, you can rest easy knowing you have the coverage to bounce back quickly after a setback. 
Retailers
Your retail shop is a reflection of your skills, talents and passions. You worked hard to make it a reality. The right business insurance matters. Let us help you protect it. 
Wholesaler-Distributors
As a wholesaler-distributor, you play a critical role in your customers’ supply chain. They—and many others— are counting on you. 
Auto Services
Expensive equipment, an extensive inventory of parts, responsibility for other people’s cars—you face some pretty unique risks as the owner of an auto services shop. 
Professional Offices
As an office professional, you balance two very different roles: delivering services that your customers have come to count on while also managing all the logistics of running a small business. 
Technology
As a technology business owner, protecting your clients’ data, servicing accounts and running a business are among your daily concerns. Making sure your business has the proper coverage should be the last thing you need to worry about. 
Other Businesses
Don’t see your industry listed? Find a local independent agent who can customize a plan for your business. 

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  1. 1. 
    Cyber Suite is only available to Customers with an ErieSecure Business® policy. Cyber Suite coverage and associated services reinsured under an arrangement with the Hartford Steam Boiler (Home Office: Hartford, Connecticut). © 2021 The Hartford Steam Boiler Inspection and Insurance Company (“HSB”). All rights reserved. Coverage not available in New York.
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  2. 2. 
    Coverage is offered by an endorsement at an extra cost and is subject to terms, conditions, limitations and exclusions not mentioned in this webpage. Not all coverage is available in all states, not available in New York. The business umbrella policy excludes abuse and sexual molestation coverage.
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