Protect Your Livelihood

Commercial Insurance for Pennsylvania & Ohio Businesses

Running a business in Western Pennsylvania or Eastern Ohio comes with plenty of risk—but getting the right coverage doesn’t have to be complicated. At Rodgers & Co Insurance in West Middlesex, PA, we help local businesses protect their people, property, and income with custom commercial insurance that makes sense for how and where they operate.



Whether you're a contractor in Mercer County, a retail shop in New Castle, or a service provider in Youngstown, our job is to help protect yours.

Coverage That Works for One-Person Startups or Busy Work Crews

There’s no one-size-fits-all when it comes to commercial insurance in Pennsylvania or Ohio. That’s why we build policies that match your business—not just your zip code.


We offer protection for:

If your business doesn’t fit the mold, no problem—we work with carriers that specialize in harder-to-place industries.

We Know Local Business Risks Because We Work Here Too

From icy roads in Sharpsville to contractor job sites around Boardman, every business in our region has unique exposure. We help tailor policies based on your specific operations—whether that’s a small retail store, a busy food truck, or a multi-location enterprise.



We work with:

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Multi-policy (bundle with Home Insurance ›)

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Restaurants and cafés

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Retail shops and salons

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Professional offices and consultants

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Light manufacturing and warehouses

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Home-based businesses and startups

Not sure what policies apply to your type of work? Let’s talk

Why Local Business Owners Trust Rodgers & Co

With over 28 years of insurance experience, we’ve helped businesses across Mercer, Lawrence, Trumbull, and Mahoning Counties build protection that grows with them. As an independent commercial insurance agency, we offer something most call centers don’t: actual advice and real answers.


Here’s what to expect when you work with us:

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Access to multiple commercial insurance carriers

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Honest recommendations and custom-built coverage

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Support when you need a certificate—fast

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Help with claims, renewals, and policy changes

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Local knowledge and one-on-one service every step of the way

How to Get a Business Insurance Quote

We don’t use a generic instant quote form for commercial coverage—because your business deserves more than a guess. Our process is fast, straightforward, and always handled by a real agent.


Here’s how it works:

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Reach out online or by phone

We’ll gather details about your business, location, operations, and staff.

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We shop carriers on your behalf

As independent agents, we quote your risk with multiple top-rated companies.

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We review your options together

You get clear explanations, flexible coverage choices, and no-pressure advice.

Business Insurance FAQs

  • What types of business insurance are legally required in Pennsylvania or Ohio?

    In Pennsylvania, you’re legally required to carry workers’ compensation insurance if you have employees. Liability coverage may also be required by landlords, contracts, or licensing bodies. In Ohio, workers’ comp is state-run and handled separately—we’ll guide you through it.

  • Do I need commercial auto insurance for a personal vehicle I use for work?

    If your vehicle is used for business purposes—like transporting tools, deliveries, or traveling between job sites—it should be covered under a commercial auto policy. We’ll help you determine what qualifies.

  • Can I get a certificate of insurance quickly?

    Yes. We provide fast turnaround on COIs so you can meet contract requirements and stay on schedule.

  • What’s the difference between a BOP and separate policies?

    A BOP (Business Owners Policy) combines property and liability into one plan—great for many small businesses. It’s typically more affordable and easier to manage than buying coverages separately.

  • Do you insure home-based or one-person businesses?

    Absolutely. Whether you’re a freelancer, consultant, or starting a small online shop, we can build coverage that fits your risk—without overdoing it.

Still not sure what you need? Contact us and we’ll walk you through it.

Let’s Protect Your Business the Right Way

Whether you're just getting started or looking for better rates on your existing coverage, Rodgers & Co Insurance is here to help. We’ll get to know your business, explain your options clearly, and deliver coverage that works.