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Your Local Business Insurance Company

Covering everything from artisan contractors to Fortune 500 companies

Types of Business Insurance Offered

As a business owner, one of the most important investments you can make is to purchase business insurance to protect your company from financial loss due to unexpected events, such as natural disasters, lawsuits, and employee injuries.

Since Terra is an independent business insurance company, we can offer a wide range of customizable products, including business liability insurance, to safeguard your business from devastating losses. Our top-rated products include:

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Business Owners Insurance

A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.

We Offer Specialized Business Insurance

Terra is the top-rated business insurance company for Pennsylvania, Florida, and New Jersey.

In addition to our comprehensive business insurance products, we also offer three specialized business insurance plans, each of which can be customized to fit your needs.

Let Terra customize a cost-effective insurance plan for your business.

We have earned the respect of clients across three states as the leading business insurance company.

Contractor’s Insurance

Contractor’s Insurance is a comprehensive coverage solution designed to protect contractors against liabilities, property damages, and injuries that can occur during construction and contracting projects.

Contractor’s Insurance

Contractor’s Insurance is a comprehensive coverage solution designed to protect contractors against liabilities, property damages, and injuries that can occur during construction and contracting projects.

Apartment Building Insurance

If you own an apartment building, we provide a comprehensive insurance package designed to safeguard your investment.

Apartment Building Insurance

If you own an apartment building, we provide a comprehensive insurance package designed to safeguard your investment.

Rental Property Insurance

Many companies might be willing to insure a rental property, but that doesn’t guarantee they grasp the market or comprehend your priorities. With Terra, we customize your policy to craft the coverage you require.

Rental Property Insurance

Many companies might be willing to insure a rental property, but that doesn’t guarantee they grasp the market or comprehend your priorities. With Terra, we customize your policy to craft the coverage you require.

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Fast & Hassle-free Claims

We understand that there may be a perception that filing and settling a claim with a business insurance company can be a complicated process. However, our team of professionals will work closely with you to ensure a quick, hassle-free experience.

We strive for transparency and pledge to help you understand all aspects of your policy, including terms, conditions, renewals, features, and benefits, before you make a purchase. In the unlikely event of a dispute, we will guide you through the proper steps to remediation.

At Terra, our goal is to settle all genuine claims and pay them in a timely manner. Trust us to be your go-to insurance agency for all your business needs.

Strategic Consulting

The experts at Terra Insurance Services recognize that every business faces a distinctive set of risks that require tailored, proactive measures to protect their assets.

As a leading business insurance company, we offer a wide range of customizable insurance plans to meet your unique needs. Our team of expert consultants will work with you to evaluate and analyze potential risks, then design a cost-effective risk management strategy to safeguard your business.

From business liability insurance to property and casualty coverage, we’ve got you covered. With our comprehensive protection and industry-leading expertise, Terra is the clear choice for your business insurance needs.

“To give our customers the protection they desire while utilizing the proper coverages, fair prices and outstanding service.”

Professions We Insure

Many professions require liability insurance to protect individuals and companies from financial disaster. Terra provides exceptional coverage for high-risk professionals, such as:

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What Coverage is Required for Pennsylvania Businesses?

Pennsylvania businesses are required by law to have certain types of insurance coverage to operate legally.

The most important coverage for these businesses is workers’ compensation insurance, which provides benefits to employees who suffer work-related injuries or illnesses.

Additionally, commercial auto insurance is mandatory for any business that operates vehicles, while professional liability insurance is required for certain professions, such as doctors and lawyers.

General liability insurance is also recommended for all businesses, as it provides protection against lawsuits and other legal claims.

If you own and operate a business in Pennsylvania, consult with an insurance professional at Terra to ensure you have the appropriate coverage to meet legal requirements and protect against potential risks.

Worker's Compensation

Workers’ compensation is crucial for both employers and employees. This type of insurance provides benefits to employees who suffer work-related injuries or illnesses, including medical treatment, disability payments, and lost wages.

By having workers’ compensation insurance in place, employers can protect their employees and themselves from the financial impact of workplace accidents. Without this coverage, employers may face costly lawsuits and fines, while injured employees may struggle to cover medical expenses and lost income.

Moreover, workers’ compensation insurance helps to ensure that injured employees can receive prompt and appropriate medical treatment, reducing the likelihood of long-term disability or chronic health problems.

By evaluating your business’s risk management strategy, you can provide critical support for both employers and employees.

What Does Business Insurance Cost in Pennsylvania?

The cost of business insurance in Pennsylvania varies widely depending on factors, such as the size of the business, the industry the company operates in, and the types of coverage needed.

Generally speaking, small businesses can expect to pay $500 to $1000 per year for basic coverage, such as general liability insurance. However, this cost can increase significantly if the business must provide other coverage, such as workers’ compensation or professional liability insurance.

Other factors that can impact the cost of business insurance in Pennsylvania include the business’s claims history, the level of risk associated with its operations, and the location of the business.

As a business owner, we invite you to work with a licensed insurance agent at Terra. We will provide accurate quotes and ensure that you have the appropriate coverage for your specific needs

About Terra Insurance Services

Life is full of unexpected events, some of which can be stressful and difficult to handle, like accidents, natural disasters, or health emergencies. In times like these, having reliable business insurance coverage can provide a sense of security and peace of mind.

At Terra, we are the leading business insurance company in Pennsylvania, Maryland, Florida, and New Jersey, offering a wide range of commercial insurance policies, as well as customizable personal and life insurance products.

Moreover, we are an independent insurance agency, which means that we have access to a vast pool of insurance providers to help you find the best insurance solutions for your situation.

Whether you need coverage for yourself or your business, our team of experienced agents is here to guide you every step of the way.

Our Locations

Terra Insurance Services offers comprehensive solutions in four key states, making us the best choice for your personal or business insurance company proudly serving individuals and businesses located in:

Pennsylvania
New Jersey
Florida

Other Types of Insurance We Offer

As a top-rated business insurance company, Terra Insurance Services offers over 50 comprehensive personal insurance and life insurance plans to safeguard both your life and livelihood, providing exceptional protection and peace of mind.

At Terra, we take pride in being the go-to source for insurance solutions for both businesses and individuals. Our commitment to providing top-notch customer service and customized coverage options sets us apart from the competition.

Personal Insurance

Our goal is to protect you from the unexpected through top-quality personal insurance coverage that works for your needs, as well as your budget.

Whether you need home or auto insurance, gap coverage, identity theft protection, or something else entirely, we’ve got you covered. As the top-rated Philadelphia insurance company, we also serve clients throughout Pennsylvania, Florida, and New Jersey!

Life Insurance

You can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

The professionals at Terra Insurance Services can tailor a life insurance plan to help your loved ones meet important financial needs once you pass. While this topic is a sensitive one, rest assured that we will offer sound, compassionate guidance so you can make an informed decision.

If you want the leading Philadelphia insurance company, consider Terra Insurance Services. We proudly serve clients throughout Pennsylvania, Florida, and New Jersey.

Why Choose Terra Insurance?

Terra Insurance Services stands out as the top-rated business insurance company, providing exceptional insurance solutions. In fact, our commitment to proactive service and prompt response to all inquiries and claims guarantees your satisfaction.

As an independent agency, we represent a group of highly respected insurance companies that offer a diverse range of products, including business, personal, and life insurance. Our strong relationships with these insurers enable us to find premium coverage options to suit your particular needs at a competitive rate.

If you’re looking for the number one insurance agency near you, look no further than Terra Insurance Services. We are proud to serve clients throughout Pennsylvania, Florida, and New Jersey.

Why Choose Terra Insurance?

Terra Insurance Services stands out as the top-rated business insurance company, providing exceptional insurance solutions. In fact, our commitment to proactive service and prompt response to all inquiries and claims guarantees your satisfaction.

What Our Clients Are Saying

Read what customers are saying about Terra, the top business insurance company for Pennsylvania, Florida, and New Jersey:

Colleen has helped our company with all our apartment building insurance needs. She is always available to help and has done so in the past. I highly recommend Terra insurance for all your insurance needs. She is very friendly and easy to work with; her office staff is very helpful, also. I would not trust any other company with my insurance needs.

M&M Management - Customer since 2013

I can’t say enough good things about this place. I dealt with Colleen here, and I tell you she went over and beyond. Her customer service was impeccable. She’s professional, attentive, and cares about her customers. She worked overtime to get me a cheaper insurance policy. She took the time to explain everything, and she was prompt with her responses. This place has a customer for life!

Crystal M.

This is by far the best agency I have ever dealt with. If you want someone who will fight to get you what you deserve and who will find you the best policy to fit your needs and income its Colleen and her team

Samaro P.

Best insurance company ever! I have been with them for years, and I feel safe and secure with them.

Wilgens G.

Colleen and her team are amazing, they provide the best service and have best rates around.

Lois K.
Philadelphia, PA

I love the customer services representatives- so sweet!! Great agency!

Julia F.
Philadelphia, PA

Extremely professional business, with staff that is friendly and detail oriented. I highly recommend Terra Insurance Services and rate the company a 10++++.

Maureen T.
Philadelphia, PA

Terra Insurance Services has been my agency for over five years now. If it wasn’t for them I would still be paying twice as much as I should. Being self employed and running my own business with overhead and everything else that comes along with it, makes every little bit count. Mario Terra saved me $24,000 a year combined between all six of my policies, which in return means that I got a $24,000 raise the day I met Mario! Just wanted to reach out and say thank you to the whole team at Terra Insurance... you guys are wonderful! Thanks again. Keep up the good work.
Mike P.
Philadelphia, PA

Colleen’s integrity is one of her best assets, she has always displayed a professional attitude. To sum Colleen up... impeccable.

Greg P.
U.S. Office of Personnel Management

The best agent I have worked with in the last 25 years. I assure you that when you do business with Colleen, she will be the only agent you will work with.

Michael H.
Hammer Group Inc.

Terra Insurance is a very friendly agency where you are greeted with a smile. No problem is too big for them to handle or insurance too difficult for them to place. Due to the many insurance providers they offer, they are bound to find you the most competitive price. My condominium rate was awesome and I ended up saving almost $500 a year.

Stela J.
Philadelphia, PA

Great service! Reasonable insurance.

Suzanne E.
Philadelphia, PA

I’m really happy with this company, they save me a lot of time and money, the service is excellent. Thank you!

Claudia B.
Philadelphia, PA

Terra Insurance is the best! The staff are so beautiful and friendly! I love walking through their door - it feels like home.

Alexis R.
Philadelphia, PA

Great service and rates. The agency is easy to find.

Milena G.
Philadelphia, PA

Professional and responsive. Great rates. I highly recommend Terra Insurance. Staff was engaging and friendly.

David A.
Philadelphia, PA

I wanted to thank Terra Insurance Agency, Colleen and Mario, for taking care of Rob Nolfi Roofing and getting us such affordable liability insurance. You have saved us a ton of money between our commercial, personal auto and our commercial liability policies. We would highly recommend Terra Insurance Agency for ALL of your insurance needs!

Nancy N.
Philadelphia, PA

Colleen and her staff are the best. Just couldn’t get any better. They are so helpful.

Kathy C.
Pennsylvania

Colleen and her team are the best! I spoke with several different agencies (all of whom stated they couldn’t find me a better rate and I should just stay with my current carrier) before coming in contact with Terra Insurance. Colleen succeeded in finding me a very competitive rate for my business insurance, saving me a great deal of what I paid last year with my previous provider. I would highly recommend Terra Insurance for any and all of your insurance needs.

Wanda T.
Philadelphia, PA

Colleen, and the team at Terra Insurance, have been taking care of me and my multiple policies for a decade now. More importantly, when you need them (being an ERIE company that cares) they are there for you. Anyone can issue a policy, it is how a team takes care of you when you need or have a claim. I will continue to refer and use Terra Insurance Services for my property and auto needs.

Jared F.
Pennsylvania

The agents located at this branch have always been very pleasant and informative. Since they have been my agent, my wife and I can’t see us dealing with any other company.

Daryl D.
Philadelphia, PA

Terra Insurance is marvelous at what they do. Stela was so helpful and hardworking to find me the best rate to fit my needs. Call Terra and ask for Stela - you will be glad you did. I sure am.

Robert J.
Philadelphia, PA

I am absolutely satisfied with the service, professionalism and most importantly, the rates. One of the best local insurance agencies you will find.

Doshi P.
Pennsylvania

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