Options Insurance Agency provides commercial insurance for businesses in Hershey, PA, including those in the construction industry. If you’re new to construction work in Pennsylvania, it’s important to familiarize yourself with state law, specifically PA’s Home Improvement Consumer Protection Act. At first glance, it may seem like a simple mandate to register with the state, but a closer look reveals that each contracting business needs specific commercial insurance to register.
Understanding What HICPA Does
The Home Improvement Consumer Protection Act requires all construction contractors to register with the state government and obtain a registration number. This includes subcontractors who don’t directly contract with clients and are paid by the general contractor (GC). Registration requires proof of commercial insurance, among other things. According to the Pennsylvania Attorney General, your firm needs two types of coverage before it can register:
- Personal injury liability coverage of $50,000 or more
- Property damage coverage of $50,000 or more
In addition to insurance coverage, you’ll also need to provide contact information, proof of contractor licenses and other registrations, information on previous contracting businesses owned, and a $50 fee. The registrar provides a form that the business operator completes and submits.
Schedule Your Commercial Insurance Review Today
Let Options Insurance Agency help you bring your construction firm into compliance and keep it there. Don’t get caught without a registration number for your Hershey, PA, contracting business. Every construction industry firm in PA must register, and to register, the business must carry appropriate commercial insurance. Whether you work as a GC, electrician, plumber, mason, or in another position, purchase your property damage coverage and personal injury liability coverage today.