worker's compensation insurance
Worker's Comp

Business Insurance protection for employees who are injured on the job and need Workers' compensation.

Dentist professional liability insurance
Professional Liability

We understand that mistakes happen. And in today’s society, lawsuits against businesses are common.

Hands typing on a keyboard
Cyber Liability

Cyber Liability is an innovative insurance product uniquely suited for the digital era we live in.

Office building
Business Property

Whether you own a building, lease a workspace, or work at home you need business property insurance.

Business Insurance Plans and Policies

Our Business Insurance plans, policies and packages are designed to help Pennsylvania business owners protect themselves with a variety of options.

Sometimes referred to as commercial insurance, business insurance and commercial insurance are the same, and the terms are interchangeable.

What types of business insurance are mandatory in Pennsylvania?

construction workersWorker’s Compensation:  

Pennsylvania requires businesses to carry workers compensation insurance if they employ one or more persons, whether full or part time.

Sole proprietors with no employees are not required to carry workers compensation.

Generally, executive officers and domestic workers are exempted, but to be certain of your responsibilities, contact the Bureau of Workers’ Compensation.

Are Collision Damage Waivers for Rental Cars Worth It?Automobile Insurance:

Pennsylvania requires that all drivers carry minimum automobile insurance. If you use your car or truck for business, it is recommended that you purchase a commercial vehicle policy.

We have several options available, which can be combined for extra safeguards.

Let our experts on staff help you find the perfect policy for you.

Use our contact form, email us, or call us today at 610-777-4123 to find the best commercial business insurance coverages and rates!

Our insurance agents are specialized in each line of insurance we offer and work with a variety of carriers to deliver the most adequate coverage, best plans and lowest rates for all types of insurance!

Greater Reading Top 50 Businesses

Over 65 years strong!

Since 1957, Gallen Insurance has helped residents of Pennsylvania with a variety of insurance policies and coverages for all types of businesses and industries.

We’re also a Trusted Choice Independent Insurance Agency, we recently won the Berk’s County People’s Choice Award and are recognized as one of the Top 50 Businesses in Greater Reading!

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Other Types of Business Insurance

If you own a business, we can insure virtually every aspect of it.  Below, you’ll find several more types of business insurance policies and plans that cover liability, property, workers, and more.

Business Owners Policy (BOP)

If you are a small business you may be eligible for a BOP. It’s a business insurance policy that combines your general liability and property coverage into one package at a price often lower than purchasing the same coverage separately. It also provides other coverage such as business income and extra expenses.

Business General Liability Insurance

Your business faces liabilities every day. A customer could trip and fall, a defective product could hurt someone or burn down a house, or a competitor might sue you for false advertising. Business general liability insurance is essential to protect your assets. It provides protection for claims brought against you for bodily injury, property damage, personal injury, and advertising injury. It will also pay the costs to defend or settle claims – even if the claims are without merit.

Business Property Insurance

Whether you own a building, lease a workspace, or work at home you need business property insurance to protect your building, your outdoor sign, your furniture and equipment, yourinventory, your fence and landscaping, and the property of others.

cyber liability insurance from Gallen in Reading, PACyber Liability Insurance

Cyber Liability Insurance is an innovative insurance product uniquely suited for the digital era we live in.

If your company or business meets any of the following criteria:

  • has a website
  • processes credit card payments
  • stores customer information electronically
  • has employees who work on computers

Then there is a Cyber Liability policy suited to protect you and your business.

Garage Liability / Garage Keepers Insurance

Businesses that work with autos such as dealerships, repair shops, detailers, and service stations have special insurance needs. A garage policy was designed specifically to meet those needs. Garage Liability insurance is a specialized product for auto businesses that combines general liability and business auto liability protection. But garage liability has a major exclusion – it does not cover damage to customer’s cars left in your care. So if your business has customer vehicles in its care, you need to also purchase Garage Keepers insurance. What if an employee crashed a customer’s car while test driving it? What if a customer’s car is damaged or stolen while parked overnight in your lot? You would need garage keepers insurance to protect against these types of losses.

Workers Compensation

If your employees are injured on the job or develop an employment related illness, they are most likely eligible to collect workers compensation. As an employer, the law requires that you provide a way of assuring benefits for these workers. We will provide you coverage that complies with the workers compensation laws and also provide services to help prevent work related accidents.

Business Auto Insurance

You depend on your vehicles; depend on us to make sure you’re protected! We can provide protection for a wide variety of vehicles and businesses, whether you have a small operation or a fleet.

Professional Liability Insurance

We understand that mistakes happen. And in today’s society, lawsuits against businesses are common. Professional liability insurance provides protection for claims brought against you and your employees for things like errors, omissions, negligence, breach of duty, and misleading statements. We can help you prevent these mistakes and errors from becoming a major loss for your business.

Employment Practices Liability Insurance

Insurance Cases against employers are on the rise. It’s estimated that 3 out of 5 businesses will be sued by an employee. Businesses are vulnerable from the pre-hiring process through the exit interview. It could be a joke told in the break room, that “friendly” programmer you had to fire, or that person you chose not to hire. Employment practices liability insurance is needed as soon as you start to hire employees. It provides protection for claims brought against you for things like discrimination (age, sex, race, disability, etc), wrongful termination, sexual harassment, and other employment related allegations.

Directors & Officers Liability Insurance (D&O)

Becoming a director or officer of a corporation puts your personal assets at risk. A director or officer can be sued personally for decisions made on behalf of the company. In today’s society, lawsuits are an expected part of business. Most directors and officers will face litigation at least once in their careers. D&O liability insurance helps protect the personal assets of your directors and officers from litigation due to alleged mismanagement of the company.

Business Umbrella Insurance

What if your company holiday party gets out of hand causing injuries and damages? What if your building has a carbon monoxide leak resulting in multiple injuries or even deaths? What if an employee causes an auto accident resulting in a loss of life? If the victims sue, is the insurance you have in place enough to cover large settlements? Unfortunately, the answer is probably not. While no one wants accidents to happen, they do. And people sue. When serious situations arise, business umbrella insurance will help ensure that your business is protected.

Church Stained Glass WindowInsurance for Religious Organizations

Gallen Insurance is the greater Reading, Pa area’s top insurance company for religious organizations. Keep your Church, Ministries, Synagogues, Temples and Mosques protected with a custom insurance plan from one of our dedicated agents. We can find your the right coverage for security systems, equipment, and liability insurance for your organization at a price that works for you.

Contact Us

Gallen Insurance
2237 Lancaster Pike
Shillington, PA 19607

Phone: 610-777-4123
Fax: 610-777-9957

Mon - Thur 8:00 am - 4:30 pm
Friday 8:00 am - 4:00 pm

Gallen Insurance provides Business Insurance Policies, Plans and Coverages throughout Pennsylvania from our office in the Greater Reading Area of Berks County.

Our friendly and personable staff stands ready to provide a free consultation for any insurance need you may have.

Use our contact form, email us, or call us today at 610-777-4123.

Shillington, PA 19607
Mon - Thur 8:00 am - 5:00 pm Friday 8:00 am - 4:00 pm
Melbourne, Australia
(Sat - Thursday)
(10am - 05 pm)