text: We compare prices with top insurers
  We compare prices with top insurers
  We’re an insurance agency located in the Lehigh Valley and also serve all of Pennsylvania and New Jersey. Here at ARK Independent Insurance Brokers we can help save you money on your business insurance by comparing insurance quotes from the top insurers.
  Get the coverage you need and improve your bottom-line.
  Why trust ARK?
  Our team of licensed experts with 50+ years of experience is here to answer questions, handle paperwork, and help you make important decisions.
  We work for you, not the insurance companies. Our team will be there every step of the way helping you get the best coverage possible at the right price.
  What is Business Insurance?
  Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.
  Business Insurance is a broad name for different coverages available to the business owner to protect against losses and ensure the business’s continuing operation.
  Common Coverages Included in Business Insurance
  General Liability Insurance
  A standard insurance policy issued to a business organization to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
  Commercial Auto Insurance
  Covers cars, trucks, motorcycles, and other road vehicles owned or operated within a business. Its primary use is to provide financial protection against physical damage and bodily injury resulting from traffic collisions and against liability that could also arise from an accident. Commercial auto insurance may also offer financial protection against vehicle theft and possibly damage to the vehicle sustained from events other than traffic collisions.
  Commercial Property Insurance
  It covers the risk of loss to an organization’s buildings or personal property. Usually includes:
  - Personal property of the insured business or business owner.
  - Personal property of others on-site and in the insured’s possessions.
  Coverage can be provided on an all-risk or specific perils basis.
  Commercial Umbrella Insurance
  Commercial Umbrella insurance is liability coverage in excess of specified other commercial insurance policies and potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
  Professional Liability Insurance
  Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless.
  Business Owner's Package
  A Business Owner’s Package (often called a BOP) is an insurance policy that combines protection from all significant property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses. They typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
  Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the act of negligence.
  You own it, we'll insure it.
  Our experts will help you get the best coverage at the right price.
  We’re driven to keeping you covered on the road. No matter where you’re heading, we’ll provide peace of mind for the journey ahead. We’ll look for discounts along the way so you can maximize coverage and value all at once.
  Whether you need a home, condo, renters, or even short-term vacation home insurance, we can find the right way to keep your property and possessions safe – both inside & out.
  We will help you find the best coverage for your business to protect you from liabilities. Our experts can shop for your E&O Policies, general liability, Business Owner Policies (BOP), auto, property coverage, and workers compensation.
  Need additional coverage? We also carry coverage for pets, mobile homes, recreational toys, campers, collector cars, commercial, and life.
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  We pride ourselves on treating every client with the utmost care. Here's what our customers are saying.
  Frequently asked questions.
  We work for you, not the insurance providers. Ark is an independent insurance broker, which means we are not owned by any insurance company. This allows us to shop around amongst the top insurers to find you the right coverage at the best price.
  Yes! All insurance brokers are required by law to be licensed in each state they do business.
  Each insurer calculate risks differently, and they strive to offer the most competitive prices. Because we shop across the top insurers, Ark will allow you to compare quotes from multiple companies for the best price.