Why Your Business Requires Commercial Insurance

All businesses are required by law to get some insurance coverage, for instance, workmen insurance covers to protect their employees against occupational hazards and unemployment. However, additional commercial insurance will provide you with peace of mind as it will offer protection against many other risks.

What Is Commercial Insurance?

It is a contract between a business (companies, partnerships, sole proprietorships, self-employed persons, etc) and an insurer to provide coverage against various risks commercial enterprises face.

Why Your Business Requires Commercial Insurance:

To Protect Its Automobiles

If your business has vehicles, you do not qualify for personal auto-insurance, but commercial auto insurance. This cover protects these vehicles from theft, break-ins, accidents, and other issues highlighted in the policy.

For Protection against Professional Liability

Professional liability is essential in industries where your business can be sued by clients due to damages arising from services rendered. It is compulsory for physicians in seven states and law firms in one state. You need to determine from your industry regulatory body whether it is a mandatory requirement.

For Protection against Losses Due To Damage or Theft of Business Property

In case a fire, flood, or break-in occurred at your business premises, the losses would be massive. Protect yourself and your inventory from these eventualities with a reliable commercial property cover from Henderson Insurance Agency.

For Protection against Wrongful Dismissal Suits

If your business has employees, you run the risk of being sued for damages due to unfair dismissal, harassment, discrimination, and other claims. These suits can have a serious impact on your business, so take a proactive step to protect yourself against them with an employment practice insurance cover.

If you are a business in Harrisburg, PA, Henderson Insurance Agency provides commercial auto-insurance and workers compensation, which are compulsory in Pennsylvania. Visit their website for more information.

Three things to know about filing home insurance claims

If you’ve never filed a home insurance claim before, you might not be familiar with exactly how the procedure works. At Henderson Insurance Agency, we offer home insurance in Harrisburg, PA. We’re here to help you understand home insurance policies and meet your coverage needs.

The following are three things to know about filing home insurance claims. 

You start the process by getting in touch with your home insurance company.

After an incident occurs that caused damage to your home, you need to let your home insurance provider know.

Most home insurance providers allow policyholders to submit claims via the telephone. This is likely to be the fastest and easiest way to get your claim started. Otherwise, you might prefer to submit your claim online. In any case, you’ll need to contact your insurance provider to let them know what happened and to get the claim process started. 

You’ll need to document the damage in numerous ways.

Documenting damage is important in any home insurance claim. Depending on the situation, you may need to file a police report. This is especially important if the damage was caused due to theft or vandalism.

You also may want to photograph the damage and save any news or documents describing the event that caused the damage. 

Your insurance company will send an adjuster out to your property.

After your home insurance company gets your claim, they’ll send an adjuster out to your property. The adjuster will assess the damage and determine what the costs of the damage are. 

If you need to purchase home insurance in Harrisburg, PA, let us know. At Henderson Insurance Agency, we’ll be happy to hear from you. We can provide you with the information you need to find the right policy for your unique situation. Contact us to learn more. 

Do You Have Enough Auto Insurance?

Pennsylvania drivers are required to have liability insurance. However, the state minimum coverage may not be enough to meet your needs. At Henderson Insurance Agency in Harrisburg, PA, we understand the importance of the right auto insurance coverage. 

Minimum Coverage

Liability coverage is a requirement in most states, including Pennsylvania. The state minimum requirements include $15,000 bodily liability coverage up to $30,000 per accident and a property damage liability limit of $5,000. 

When you look at the typical costs of an accident, a fatal injury averages out to $1.5 million. A disabling injury averages $80,000. However, these events are rare. Pennsylvania had 1,200 traffic fatalities in 2018. Most car crashes result in more minor injuries and property damage. The average cost of a non-disabling accident is $9,300. It’s important to note that average cost covers a wide range of actual costs, so the potential cost of a car crash is much greater than $9,300.

Opting for minimum coverage amounts results in cheaper premiums, but most accidents will go beyond minimum coverage limits. Consider choosing a higher coverage limit or even selecting the maximum coverage limit.

Comprehensive and Collision

If you have a significant investment in your vehicle, comprehensive and comprehensive coverage is also recommended. You’ll want to select a policy that covers the value of your vehicle. If you owe a loan on the vehicle, you should consider gap insurance as well. This is particularly important if you are upside down on your car loan, meaning you owe more than the vehicle is actually worth. In the event of an accident, collision coverage typically pays the current value of the vehicle. If your loan amount is higher than the value, you are required to pay the difference. Gap insurance covers the gap.

Uninsured and Underinsured Motorists

If an accident is the other party’s fault, your insurance company will expect the other party to cover the damage. What happens if they don’t have insurance or enough insurance to cover the damage? Uninsured and Underinsured motorists mean your insurance company will cover your claim if the other party doesn’t have insurance or has inadequate insurance.

At Henderson Insurance Agency in Harrisburg, PA, we know how important the right auto insurance is for your financial security and peace of mind. Our agents are happy to assist you in selecting the coverage options that meet your needs. 

6 Health Insurance Questions to Ask Your Agent

If you’re ready to get health insurance, or you have a policy and you aren’t sure if it’s right for your needs, working with an insurance agent can make things easier. If you’re in or near the Harrisburg, PA area, Henderson Insurance Agency is here to help. By understanding the kinds of things you need to ask your agent, you can get the support and guidance you’re looking for. Then you can take that knowledge and make an informed policy choice. With the right health coverage, you’ll have strong protection and good peace of mind. Here are six important questions to ask your agent.

1. Is the health coverage you already have the right policy for your needs and situation?

2. Is there a policy that would be a better fit for you as your situation changes?

3. If you don’t already have coverage, can you get covered at any time of year or is there an enrollment period?

4. How often should your health coverage be re-evaluated, make sure it’s the best option for you?

5. Can — and should — you bundle health coverage in with other insurance policies from the same company?

6. Who can you turn to if you have questions about your insurance coverage?

Are you ready to get the right insurance coverage that will meet your needs, from trusted agents you can rely on? Anyone in or around the Harrisburg, PA area can reach out to us at Henderson Insurance Agency today. We’ll help you get the coverage you’re looking for. Then you can focus on living your life and enjoying the journey, knowing that you’re covered with the right health insurance policy. Good insurance is an important part of feeling good about your safety and security, and we want to be the ones to work with you on finding that security in your life.

Getting life insurance at a young age

Many young people do not think about life insurance, but it is an important investment to protect your family and those around you. Henderson Insurance Agency is available to assist people with life insurance coverage in Harrisburg, PA.

Life insurance policies increase in cost with age, as the person who is covered is more likely to die as they get older. From the insurer’s perspective, advanced age is an added risk. From a cost-savings perspective, it certainly does make sense to invest in a policy at a young age. This is because the rates will generally not change as a person gets older. Their cost for the policy remains the same as they age once they are locked into a policy.

Younger people also tend to be in better health, and your policy will be easier to afford if you are young and in good health. If someone starts to develop health conditions as they get older, the price of a policy can go way up. This can also place family members in a worse situation when they get older and need more money for healthcare expenses as well.  

Lower costs will also help people keep their insurance if they experience financial hardship due to job loss or other problems. It makes sense to keep the policy active for the entire term as long as it is not a significant financial burden.  

Get help with choosing life insurance coverage that works for you

There are agents who serve Harrisburg, PA and surrounding areas with Henderson Insurance Agency. You can provide information to an agent and they will recommend the right policy based on your needs. 

Four key steps when you buy an umbrella insurance policy

Standard auto or home insurance policy typically doesn’t provide enough coverage to protect consumers from their risks and liabilities. Purchasing umbrella insurance in Harrisburg, PA is a good way to get extra coverage when accidents cost you more than your insurance policy maximums.

At Henderson Insurance Agency, umbrella insurance is one of the numerous products we offer. The following are four key steps to go through when you buy an umbrella insurance policy. 

Do your research

Umbrella insurance is an insurance product that needs to be used along with standard home and auto insurance. Research the details of your home and auto insurance policies. It’s important to be aware of what their maximum coverage limits are. Umbrella insurance will typically kick in when expenses amount to more than these maximum coverage limits. 

Contact an insurance agency representative

You should talk to an insurance agency representative about your umbrella insurance options with their company.

Ask questions about details that are unclear and ask about the representative’s recommendations for your situation. This will help you to pinpoint policies that best correspond with your needs. 

Get quotes on policies available to you

The next step is to get a few quotes on umbrella insurance policies. It’s best to get quotes from more than one umbrella insurance provider. Comparing quotes will help you find a policy that offers the best value. 

Purchase the policy of your choice

You’ll then need to analyze the costs and coverage features for each quote you get. Choose the policy that provides the most quality coverage for the least amount of money. 

Would you like to learn more about how to purchase umbrella insurance in Harrisburg, PA? Contact us at Henderson Insurance Agency to get more information on umbrella insurance. 

3 Types of Popular Toys Protected with Toy Insurance

In Harrisburg, PA and nearby areas, many of our clients have worked hard for their outdoor toys. The best way to protect these toys and are with toy insurance from Henderson Insurance Agency. Below are some popular toys our clients enjoy regularly. 


A family favorite toy for many of our clients, they look forward to taking these all-terrain vehicles through mountain trails and off-road. They come in a variety of sizes and brands to choose from. Because they have the ability to be customized, they can become a significant investment that needs the protection of insurance.


Like ATVs, the utility terrain vehicles are a larger version. They come with bigger motors and the ability to reach highway speeds. In some areas, they are even authorized for highway driving. They can be used for a fun off-road afternoon, and also used for work around farms and homesteads around the countryside. 

Jet Skis

Enjoying the local lakes and rivers during the warm months is done best with a pair of jet skis. They bring speed and a level of freedom that only jet skis can offer. These toys are cherished by those that own them. In order to protect the enjoyment and hobbies enjoyed with these toys on the open water, toy insurance is required. 

Protect Your Toy Collection Today

No matter what type of toys you have, it is essential to protect them in the event of a tragedy. Burglaries, accidental fires, or other unfortunate accidents can damage or destroy these toys that you have worked hard for. Toy insurance can protect the financial investment that you have made into any of these toys. If you live in or around the Harrisburg, PA area, contact our agents at Henderson Insurance Agency today for more information. 

Does homeowners insurance in Harrisburg, PA cover special items like artwork and jewelry?

Harrisburg, PA keeps being named as one of the best places to live, because of its affordable housing, low unemployment, and a wide range of things to do in the area. If you are one of the people taking advantage of property ownership in the area, you already have a homeowner’s insurance policy that protects your home in case anything happens, such as a fire or burglary.

At Henderson Insurance Agency, we understand how confusing your policy may seem. An insurance policy is basically a contract between you and the insurance provider, and it has a lot of details. Some of the language is legal terminology.

Most people understand that insurance protects the house itself, plus any other structures on the property, such as detached garages and sheds. It will also help if you have losses involving your appliances, carpeting, electronics, clothing, and other personal possessions inside your house.

But what about your more valuable items, like artwork, furs or jewelry? Unfortunately, anything you have of greater value will probably not be covered under a standard homeowner’s policy. 

There are limits not just on how much coverage you have but on how that coverage is split up. Most of your limit will go towards the property itself, especially the physical house. If you want to protect special items, it is easy to add that coverage by speaking to your insurance agent.

If you live in Harrisburg, PA and want to speak about adding to or changing your insurance, please call Henderson Insurance Agency today. We can help you choose the option that works best for you.

How Much Commercial Insurance Is Enough for My Small Business?

Owning a small business in Harrisburg, PA, isn’t always easy. There are so many things to manage that sometimes you don’t even want to think about insurance. To help you with that, Henderson Insurance Agency is here to help you deal with a common question: How much insurance does your business need?


For the most part, commercial insurance can be split into two categories: property insurance and liability. Property insurance needs to be sufficient to handle asset losses that can occur. As an example, a business that owns vehicles needs enough property insurance on the vehicles to replace them in the case of an accident. Apply this to all of your assets, and the goal should be to have enough insurance to keep the business alive if a disaster strikes and you take large losses.


Liability is one of the scarier aspects of owning a small business. Even a small accident can leave you liable for damages expensive enough to lose the entire business. While an average liability claim against a small business is around $15,000, it’s likely that you need greater liability coverage than that. In short, your overall liability will be linked to the value of your assets. Liability claims are often awarded based on the value of the business itself, so the value of your assets can inform your liability coverage.

So, how much coverage does your Harrisburg, PA, business need? There are too many variables to put a single number on every business. Instead, you should have a talk with your Henderson Insurance Agency representative. They can help you gauge your assets and how to properly protect your business.


3 Ways Home Insurance Protects You for the Holidays

With Christmas just a few weeks away, you’re probably gearing up to celebrate with family and friends. In all your preparations, don’t forget to review your home insurance to ensure you’re protected against holiday mishaps that can ruin your festivities. Here’s how home insurance from Henderson Insurance Agency can protect your Harrisburg, PA home and family this holiday season.

Protects Your Dwelling

Pennsylvania winters can take a toll on a home. If a severe snowstorm damages your property during the holidays, dwelling coverage can help cover repair costs. Dwelling insurance protects you against accidental fires or other disasters that pose a risk to your Harrisburg PA home during the holidays.

Protects Your Goods

When families get together for the holidays, there’s always the risk of accidental damage to personal property. Left unsupervised, young children can wreak all kinds of havoc, resulting in damage to costly furniture or electronics. Property coverage protects your valuables against damage and theft so you don’t have to repair or replace these items out-of-pocket.  

Protects You Against Liability Claims

Liability insurance covers medical and property damage costs of guests who have accidents on your property. If a guest slips on a rug and hurts his back, your liability insurance will cover his medical costs. If your German Shepherd destroys a guest’s cellphone, liability insurance will cover replacement costs. Liability coverage can protect you against accidental food poisoning, kitchen burns when guests help with meal prep or children’s injuries from friendly sports games in the yard. If you’re sued for damages due to an accidental injury, liability insurance will help cover your legal costs.

For more information on the protection that home insurance provides, contact an agent from Henderson Insurance Agency in Harrisburg, PA. We’re here to meet all your home insurance needs.