At Reinhardt's Agency Inc., we learn your needs so we can help protect what matters most.
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.
Get Your Insurance Quote
As an independent agency, we are here to help you find the right coverage.
The Solution to Your Insurance Needs
Providing a variety of business insurance and personal insurance solutions is what Reinhardt's Agency Inc. does best.
Coverage and risk management solutions for companies of all sizes.
Meet Our President
Take a moment to get to know our current president, Ryan Tyson, and all he brings to our agency.
Reinhardt's Agency Inc. + Dave Ramsey
We are a Dave Ramsey Endorsed Local Provider thanks to our experience and drive to help others.
Reinhardt's Agency Inc. + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
Real clients. Real reviews. Real coverage.
“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.
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.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
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.
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.
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.
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.
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.
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.
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.
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.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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Contact Reinhardt's Agency Inc.
As an independent agency, we are here to help you find the right coverage.
3775 E State Street
Hermitage, PA 16148
We are licensed to serve clients in Pennsylvania and over 11 other states.