Business Insurance


Personal Lines

As an independent insurance agency, personal lines is an important part of the products

and services we provide to our clients. We have the privilege of servicing over 12,000 personal lines policyholders. Our agency’s goal is to develop long-term relationships with all of these clients, providing the safety & security that is required to protect their personal possessions and the income flows of their families. The insurance carriers we represent are among the best and share our desire & commitment in servicing your financial needs. These carriers all have A (excellent) ratings by A.M. Best, a sign of financial strength and the ability to pay claims. Our clients can be assured that the carriers we represent are fiscally responsible and highly responsive to the needs of our clients in any claim situation.  Go to the page

Life & Health Insurance

At Body-Borneman, we know that our clients have more than automobiles and homes

to protect. That’s why we organized our life and benefits department back in 1962. For over 35 years, we’ve been helping customers to protect their health, incomes and savings from the risk of financial loss, including: We pride ourselves in the abundance of products and services we have available to meet your insurance needs. We are staffed with professional agents at all 3 of our locations, who can assist you with any insurance need you have .  Go to the page

Commercial Lines

Body-Borneman specializes in Commercial insurance, with over 2,000 clients

Regardless of whether your business is manufacturing, wholesaling, contracting, retailing or service, we can find and tailor a program to match your needs, whether through traditional insurance products – or more creative, self-insurance captive programs As an independent agency, Body-Borneman represents a large assortment of today’s most competitive carriers for many industries. Having ready access to these markets makes us uniquely qualified to tailor to your specifications a package of protection.  Go to the page
Companies We Represent

Welcome to Body Borneman Insurance


 Body-Borneman Insurance Services

Welcome and thank you for choosing Body-Borneman for your insurance needs. You will find, as have clients from our over seventeen thousand (17,000) client base have found, that in our fifty four (54) years of operations, we have always put clients needs and care first. Our commitment to customer satisfaction, providing value to our customers, low costs and customer retention is second to none. Established in 1962, our staff of now over forty (40) is well equipped to handle any and all your insurance needs. We boast special in-house niche services, providing a dedicated claims department, bond department and the ever valuable risk management department.


With 4 locations in the state of Pennsylvania, at 230 E. Schuylkill Rd. Pottstown, at 1389 East Boot Rd. West Chester, at 400 Franklyn Ave. Phoenixville and our main, state-of-the-art head office at 17 E. Philadelphia Ave. Boyertown, we more than adequately cover the state of Philadelphia as well as licensed to operate in numerous other states including Arizona, Delaware, Florida,  New Jersey, New York, Ohio, California, Maryland, Alabama, Colorado, Mississippi, New Mexico, Indiana, Texas, North Dakota, North Carolina, South Carolina,  Connecticut, District of Columbia, Georgia, Illinois and Massachusetts. We are the leaders in Home insurance; Auto insurance including commercial auto insurance and private auto insurance and Business Commercial insurance including commercial property insurance. Contact us at any one of our locations to speak to a Body-Borneman Insurance agent to start getting the coverage you need at the lowest costs.


Body-Borneman Commercial Business Insurance

At Body-Borneman, we specialize in commercial business insurance, with a client base of over two thousand (2000). We are an independent agency and represent a wide range of the biggest and best insurance entities nationwide. Tapping into these diverse markets makes us at Body-Borneman uniquely able to offer a wide range of services to our clients, encompassing all of their needs. Some of the companies we represent include Nationwide Insurance, Hartford Insurance, AmeriHealth, AIG, Liberty Mutual, Farmers Insurance and the list goes on. We are experts in the field and always deliver a low cost package that meets and exceeds all our clients’ needs. Call, email or come down to any of our offices to see one of our insurance agents anytime, to get started on the right coverage for your commercial or business entity.


We would be more than happy to give you a full run down of all the many services available to choose from. Remember that sometimes, bad things happen to good businesses, outside of the control of diligent owners or managers and adequate insurance coverage can mitigate substantial losses or provide the necessary building blocks to getting those doors open again after untoward events. Our list of products include commercial property insurance, general liability insurance, fleet coverage, workers compensation, crime coverage insurance, surety bonds, umbrella liability and professional liability insurance, aviation insurance, inland marine insurance, wet marine insurance, environmental liability insurance, employment practices liability insurance, directors and officers liability insurance and mergers and acquisitions liability insurance.  Remember that insurance is a vital component of doing business especially when it comes to securing credit. Business owners will also find it easier to do business with clients, vendors and creditors when all parties know that adequate insurance against unforeseen, negative impacting events is firmly in place.


Commercial Property Insurance

This vital form of insurance is one of the main expenses of any business. Commercial property insurance covers the contents of your business property such as desks, chairs, computers and other equipment as well as the actual property or building itself, from named perils such as fire, flood, theft and tornadoes. Depending on your policy, coverage from other unnamed perils, not specifically excluded can also be obtained. We in the state of Pennsylvania can especially attest to the absolute need for adequate insurance against tornadoes. The state regularly records high numbers of tornadoes yearly, with thirty (30) recorded as recently as 2011. Hurricanes are also a fairly common occurrence and adequate flood/water damage coverage is a must for Pennsylvania business owners. Our policies cover negative impacting events generated by outside occurrences/influence as well as created by your own business activity. We at Body-Borneman have a complete suite of options that completely cover your business’ property and contents.


Commercial General Liability Insurance

General liability insurance deals with protection against bodily injury, personal injury, damage to property resulting from the business actions such as the operations, products, premises and advertising. This form of insurance is considered to be comprehensive business insurance, though not every policy will cover a business against every form of action. Some policies offer protection against claims made at the business premises during working hours. Others can extend to products taken off premises to the homes of business clients. Excess liability is another form of policy that adds an extra layer of funding should claims exceed the amount stated in the policy. History has shown, through the many frivolous lawsuits filed and won against businesses in the US, small and large, that it is extremely vital to have more than adequate general liability insurance. We at Body-Borneman offer a plethora of policy packages to suite all of your general liability insurance needs.


Fleet Coverage

If your business uses more than five (5) vehicles, you can apply for fleet coverage for your vehicles. Fleet coverage allows clients to utilise one policy to cover all of the motor vehicles, cars, vans or trucks owned and used by the business. Clients can access a range of coverage, from comprehensive and basic liability insurance, which covers vehicles, drivers and third parties in the event of accidents and the need for medical care. Further coverage can be added so that a replacement vehicle will be provided in the event that an incident results in the loss of use for a specified time. Clients can also specify the amount and type of insurance each vehicle carries, based on the needs or utilisation of individual vehicles. With Body-Borneman, our clients can choose the policy that is right for their fleet needs, to be fully insured and covered while on the roads conducting business transactions.


Business Owner Policy (BOP)

Especially for our small and medium business owners, we at Body-Borneman have developed a series of business owner policies geared to meet the needs of all business owners. Offering a full suite of coverage, at less than the cost of each individual form of coverage combined, our business owner policies are best suited to protect both your small business and your pocket. With a business owner policy from Body-Borneman, clients gain access to commercial property insurance, vehicle or fleet insurance, flood insurance, business interruption insurance, crime and theft insurance and liability insurance. Speak to one of our insurance agents today and you can also find that we at Body-Borneman can fit more than just the average package of business owner insurance into a neat bundle for you, our client, at a great low cost.


Worker’s Compensation

Workers compensation is insurance that protects both the employer and employee in the event of an employee sustaining an injury while conducting routine business functions, for example a tree falling on a landscaper during a landscaping job. The employee would not be eligible though, if for he was injured on his way home after leaving work.  This form of insurance waives the employees’ option to pursue further legal recourse in the event of an unfortunate incident involving injury while on the job. In exchange for waiving this option, the employer guarantees specific compensatory payments or payment of medical fees relating to injuries sustained on the job. U.S. statute dictates that businesses MUST have workers compensation for ALL W-2 workers so this is an essential part of your policy makeup. With Body-Borneman, we make the process of obtaining and administering workers compensation straight forward and easy, so come down or give us a call today.


Crime Coverage

In the business world today, many business owners experience some form of loss through the efforts of the criminal elements in our society. As a result, many businesses/ insurance houses see fit to pursue/offer separate “Crime Coverage”. Crime coverage protects your business and its merchandise, products, cash and other property from embezzlement, robbery, forgery and several other forms of business related crimes. Typically, these are named incidents that do not appear on run of the mill theft or burger insurance policies. Businesses often take on crime insurance as part of a wider “multi-peril insurance policy” or will take separate, standalone crime insurance policies to guard against specific types of criminal activity. With our wide ranging list of agencies and attention to detail and customer needs, we at Body-Borneman can find the perfect fit to protect your business from whatever criminal elements that make seek to do cause loss and harm.


Umbrella Liability Insurance

If your business were ever to find itself on the wrong end of a lawsuit, for an amount exceeding the businesses current coverage, what would you, the owner, do? This is a question dreaded by every business owner. What will happen to the assets, the hard earned profits, the very business itself, should a judgement be handed down after perhaps some incident of gross negligence on the part of the business. The answer lies in umbrella liability insurance. This type of insurance covers your business in the event a particular type of coverage does not meet the required amounts needed. For example, let’s suppose you have a driver at your business who causes a disastrous accident on a busy intersection through blatant negligence. What if there are several damaged vehicles as well as several badly injured people and your current auto insurance coverage will be sorely inadequate to cover possible vehicle repairs and medical bills? This is where your umbrella insurance would activate, meeting the excess needs required. Umbrella insurance is especially for those business owners who are in fields where even the most conscientious and circumspect business owner can find themselves on the wrong end of a horrendous lawsuit. We at Body-Borneman can tailor umbrella policies to suit the wide ranging needs of our clients and we can tailor one for you today, just contact any of our regional offices.


Professional Liability Insurance

If you are a professional, in a field like medicine or accounting, you would need to protect yourself against malpractice, negligence or misrepresentation. This is done through a professional liability policy, from us at Body-Borneman. A requirement for any professional with expertise in a specified field, professional liability insurance protects from suits filed by clients ranging from frivolous to serious in nature. Referred to by different names for different fields, for example medical malpractice insurance in the field of medicine and error and omission insurance in the field of real estate, professional liability insurance covers area usually not covered by business owner policies (B.O.P.s).  Body-Borneman has a wide range of agents to utilise to put together the best professional insurance package to suit your profession, so give our agents a call today.


Directors and Officers Insurance

As your business grows, the administration, the directors and officers core will grow with it. These are the important, “higher ups” that manage your business and you and well as they, will want their personal assets protected from liability through lawsuits filed against them directly as a result of their capacity as an officer or director within the business. This type of policy also allows for reimbursement of legal fees used by the business to defend any director or officer against a suit filed against them. Not typically part of a standard business owner policy, B.O.P. , at Body-Borneman, we can make additions to your policy to include directors and officers liability insurance so that the business, the directors, the officers and anyone involved with the business can sleep easy knowing that full coverage has been obtained.


Employment Practices Liability Insurance

Employment practices liability deals with a wide range of areas, where it may be possible for an employee to file a suit against a business for violation of legal rights. Employment practices liability insurance covers sexual and non sexual harassment; discrimination against race, religion or gender; unlawful termination of employment; invasion of privacy; failure to employ or promote; defamation; negligent appraisal; breach of employment contract; mismanagement of employee benefits plan and infliction of emotional stress. Reports in the U.S. state that with more and more employees knowing all of their legal rights regards employment, the number of cases and suits filed against businesses is constantly growing, with no sign of a decline on the horizon. Protecting your business from frivolous or serious suits of this nature should be paramount to any business owner, as some of these offences have been known to come back with spectacular awards against the business. At body-Borneman, we can develop just the right policy to ensure that your business is always covered against any unfortunate event of the types mentioned above, so give us a call today.


Data Breach Liability Insurance

In the business world today, every business, large or small, receives and stores private and non public information about its employees and clients. Businesses are legally mandated to keep this private, sometimes sensitive information safe and out of the hands of malicious elements as well as curious elements. Data breach coverage will protect your business in the event that your business comes under cyber attack, resulting in the theft of personal information such as credit cards numbers, social security numbers, medical records and contact information. Being found liable for data breach can have far reaching and disastrous repercussions for a business, fines, fees, judgements that can all have vastly damaging effects on the businesses ability to generate profits. Coverage from Body-Borneman can let business owners sleep easier in the unfortunate event of a cyber attack, knowing that they have in place adequate insurance coverage.


Renters Insurance

A subset of home owners insurance, this is coverage for tenants/lessees’, covering their own personal property against unfortunate incidents like fire or flood, as these would not be covered by the landlords own insurance. Increasingly, landlords are making it mandatory to have renters insurance before renting/leasing out properties. Renters insurance also covers personal injury in the home, unrelated to structural concerns with the property. Contact us at Body-Borneman to ensure you have adequate renters insurance to protect your personal property.


Why Body-Borneman Insurance Policies?

In the business world, we can never tell what’s going to happen next, one minute we could be riding the wave of profitability and prosperity and the next minute a disastrous lawsuit wipes out years or hard work and layers on further years of hard work. Businesses need to be adequately covered from all angles, against financial ruin and we at Body-Borneman are here to assist in the noble endeavour. We have a wide range of partner agencies, four (4) locations for ease of access and a full complement of insurance agents waiting to hear from you. Business owners will find that they sleep easier, business contacts and functions become easier and clients are satisfied when a Body-Borneman business owner policy is in place, so contact us today.