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Business Insurance in Erie County, Pennsylvania - Covering Local Businesses

Since 1872, Hart, McConahy & Martz has maintained the primary focus of serving the interests of our clients as if those interests were our own. Over the years, we have built a first-rate business insurance agency that has been crafted to suit businesses here in Erie and surrounding areas. We get to know our customers and their needs like no other. We want them to know that they can count on us for optimal business insurance coverage. Helping improve their bottom-line performance has always been job number one. As business insurance specialists, Hart, McConahy & Martz has been providing insurance coverage across Erie County, Pennsylvania for over 100 years. We offer our clients these advantages for business insurance:

business insurance

  • Commercial Package Policy

    • A package policy designed for commercial insureds that can provide in one policy several lines of insurance business as needed by that commercial venture. 
    • Lines of business which may be included in the CPP are property/glass, general liability, inland marine, crime, boiler and machinery insurance, and commercial automobile.                                                                                      
  • Employee Benefits Liability Insurance (EPLI)

    • Liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs.

    • Coverage of this exposure is usually provided by endorsement to the general liability policy but may also be provided by a fiduciary liability policy.



  • Commercial Property Policy

    • Commercial property policy provides coverage for real and personal property that is used in a business. 
  • Commercial Articles Coverage (Inland Marine)

    • An inland marine policy providing coverage on an "all-risk" basis for loss or damage to cameras, fine arts, and musical instruments of a business insured.
  • Commercial Auto

    • Coverage designed to provide a "standard" form for insuring commercial vehicles (other than private passenger cars).
    • Coverages are very similar to personal auto

 small business owner, female, salon

  • Commercial Blanket Bond

    • A fidelity bond which insures an employer against loss from dishonest acts committed by employees, covering all employees in the regular service of the employer during the term of the bond. 
    • The bond is issued for a fixed amount which is the maximum sum payable for any one embezzlement, whether one or more employees are involved.


  • Employment Practices Liability Insurance (EPLI)

    • A type of liability insurance covering wrongful acts arising from the employment process.
    • The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.
    • The policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related: defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insureds
  • Commercial General Liability Policy

    • The commercial general liability policy provides comprehensive general liability coverage for commercial risks covering all liability exposures for all locations and causes of loss except those specifically excluded or limited either within the coverage form or by endorsement. 
    • Protection may be provided on either an occurrence type of policy or on a claims-made basis. 
  • Commercial Umbrella

    • A form of liability insurance protecting policyholders for claims in excess of the limits of their primary business automobile, general liability, and workers compensation policies. 
    • It also provides coverage for some sources of loss that are not covered by their primary policies. Such cases are subject to a deductible (or self-insured retention).


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(814)455-0987 | Fax: (814)456-9680 | 2562 West 12th st, suite 250, Erie PA 16505
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