Business Insurance

Industry Leading Solutions for Your Business

Gunn-Mowery business clients have the edge to succeed because they receive industry-leading solutions and are advised on cutting-edge opportunities to minimize risk and maximize savings. Our experts work and study hard to stay ahead of the changing business landscape. You can expect the Upside with outstanding customer service from experienced and knowledgeable representatives who enjoy what they do. 


If you need business insurance anywhere across Central Pennsylvania, you need more than just coverage. You need strong service support to ensure you have the coverage you need to keep properly insured and adapt as your business changes. Most importantly, insurance for your business keeps you and your employees protected so you can grow. With the right coverage, you enjoy peace of mind, and the financial resources you need to keep your doors open.

What Makes Gunn-Mowery Different?

Our agency enjoys the challenge of analyzing risks. Over 15 years ago we helped several of our larger customers from their own captive insurance company. The member companies came together to jointly own the company and enjoy the benefits of lower costs, improved loss control, and claims management, as well as opportunities for dividend distribution and long-term control over their insurance destiny. Today, this captive insurance company has over 23 active members, all working collectively with Gunn-Mowery’s assistance. This same forward thinking helped to create our Genesis Healthcare Consortium. Currently, 18 local companies are members of Genesis and take advantage of the group purchasing of administrative services and stop loss insurance.


Whether you’re looking in York, State College, Lancaster or another PA community, your industry will determine a great deal about the business insurance coverage you need. Gunn-Mowery recognizes this need by offering industry-specific support to ensure you address the risks and the insurance needs of your specific sector. We specialize in Agribusiness, Construction, Energy, Design Professionals, Cyber, Safety and Loss Control and Farm industries.


We also have our own commercial claims department, solely dedicated to helping your company report, track, and analyze your claims through to conclusion. 





Your team has never let me down. That's what I love about everybody there at Gunn-Mowery. You make this part of my job so much easier knowing I don't have to spend countless hours trying to make sure we are getting the service and coverage we need. Thank you all!

‐ Brian Klemz, President

Specialty Accident & Liability Insurance Coverage in Central PA:

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A Guide to Insurance for Manufacturers

Jump to: Why Insure Your Manufacturing Business? | Manufacturing Risks | Insurance Policies for Manufacturers | Three Ways to Choose the Best Insurance for Your Business | Mitigate Risk With Manufacturing Insurance Discussing business or commercial insurance can feel overwhelming. Every industry comes with its own risks, so there’s no one-size-fits-all plan. If you work... Read More

Property & Casualty Insurance: What coverages are often missed?

When you think of Property & Casualty Insurance, we all know the basic coverages:  Property Insurance General Liability Workers Compensation Umbrella Insurance Auto Insurance Directors & Officers Errors & Omissions  However, there are coverages that are missed, overlooked, misunderstood and under purchased. If you don’t have an agent who is looking out for your best... Read More

Insurance for Entrepreneurs

Jump to: Types of Insurance for Self-Starters | Five Advantages of Insurance to Entrepreneurial Businesses | Common Questions About Business Insurance | Get Informed With Gunn-Mowery Insurance is always essential, but it takes on new significance when you’re an entrepreneur. Striking out on your own to start a business is exciting and rewarding. It’s tempting... Read More

Insurance Concerns for Businesses with Telecommuters

According to SHRM, 59% of U.S. employers allow employees to work from locations outside of the office. And as technology continues to get better, we see that percentage increasing in the future. In order to understand the insurance concerns for telecommuters and employees on business travel, it’s important to identify the types of telecommuters.  ... Read More

Living in a World of Lawsuits: Why You Need Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be awarded, be extremely expensive and have long-term financial impact. According to the U.S. Financial Education Foundation, it’s estimated... Read More

Does Your Business have a Flood Plan?

Prepare Your Business for Flooding More often than not, floods can arise without warning—the fickle nature of weather in the United States only exacerbates the unpredictability of floods, especially with so many areas susceptible to flooding. One unexpected severe storm can trigger widespread, damaging floods. Neglecting to prepare your property for possible flooding can sink... Read More

4 Insurance Questions That Small Business Owners Should Be Asking

Running a small business means pouring a lot of energy and effort into your company. To protect your venture’s future and to minimize your risk, you need insurance coverage for your small business. If you’re worried about costs or confused by all the options, Gunn-Mowery can help. Contact us to find out how our Upside... Read More

Does My Small Business Need Workers Compensation Insurance?

Jump to: Statistics on Workplace Accidents and Injuries | Understanding Workers Compensation | State Laws Concerning Workers Compensation Insurance | How Workers Compensation Insurance Protects Your Small Business | Five Risks of Not Providing Workers Compensation Insurance | Four Commonly Asked Questions About Workers Compensation Insurance for Small Business When your employees arrive for... Read More

Does My Business Need Employment Practices Liability Insurance?

Large corporations often have significant legal departments as well as detailed employee handbooks, contracts and rules in addition to HR departments to ensure the risk of employee lawsuits is minimized. Small and medium businesses may not have these additional ways to minimize risk. In addition, all companies can be subject to employee claims of... Read More

How Crime Coverage Can Protect Your Business From Employee Theft

For many businesses, employees are the biggest asset. However, team members can also pose a significant risk. They know internal information and often handle company credit cards, assets, cash and other valuables and therefore have the ability to steal from or defraud their employers. No matter how carefully you screen your employees, some of them... Read More

7 Tips for Filing a Property Claim

There are many incidents that can cause major setbacks for businesses. Electrical fires can damage inventory and equipment as well as shut down a business temporarily. Customer injuries can lead to lawsuits, natural disasters can destroy property, and burglaries can result in thousands of dollars of losses in equipment and valuables. Our claims team... Read More

Equifax’s Insurance Is Said Likely Inadequate Against Breach

Since the Equifax data breach, which saw the personal information of many consumers hacked, much has been written about liability of the company in the breach. Equifax, like most companies in the sector, has cyber insurance to cover incidents related to hacks. However, reports suggest Equifax cyber insurance coverage isn’t enough to cover the company’s... Read More

7 Ways Ransomware Could Invade your Company

Ransomware attackers are 21st century highwaymen, “threatening the lifeblood of their victims — information” and “law enforcement has neither the time nor the resources to track down the culprits. What can you do to protect from ransomeware? One thing firms can do is make sure that personnel are more aware of common ransomware attacks... Read More

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