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At Reinhardt's Agency Inc., we learn your needs so we can help protect what matters most.

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Reinhardt's Agency Inc.

Learn more about our agency.

Based in Hermitage, PA, Reinhardt's Agency Inc. has proudly been serving our community since our founding in 1904. Over the more than a century that we’ve been in business, we’ve learned a thing or two about helping you find the right insurance to meet your needs. With our experience at your side, you can feel confident that what matters to you most is protected.

We’re devoted to offering you a level of customer service that exceeds your expectations. That’s why we strive every day to do our most for our clients. It’s also why we work with some of the industry’s top-rated insurance carriers to offer you a wide range of coverage options to give you the flexibility you deserve. It all works towards our goal of developing long-lasting relationships with you and our communities so we can better help you.


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Our History
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The Solution to Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what Reinhardt's Agency Inc. does best.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Reinhardt’s has served our insurance interests for over 50 years. Their experienced staff has provided us with the right coverage at an extremely competitive premium. Most importantly, their service is exceptional.

Joe W.O'Neill Coffee Company

I have been insured for property and auto coverage with Reinhardt's Agency for many years, and I've always been pleased with their customer support and professionalism. Great service! Great coverage!

Marian G.
Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Team - Ryan Tyson
Meet Our President

Take a moment to get to know our current president, Ryan Tyson, and all he brings to our agency.

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Reinhardt's Agency Inc. + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to Reinhardt's Agency Inc.

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“The staff are very friendly and knowledgeable. They are always willing to go above and beyond to provide the best products at the best prices.”

– Michelle W.
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Award-Winning Agency

Perennial Winner of the Herald’s Best of the Best Award for Best Insurance Agency

Erie Insurance Elite Award Winner

2019, 2020, and 2021 Best Places to Work

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We offer a wide variety of insurance solutions.

Find Out How
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.


Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.


Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.


As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance
Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.


Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.


Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Contractor Insurance 101

Make sure you cover the unique risks you face with contractor insurance.

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As an independent agency, we are here to help you find the right coverage.

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Hermitage, PA

3775 E State Street
Hermitage, PA 16148

We are licensed to serve clients in Pennsylvania and over 11 other states.

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