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VNG Insurance Agency

1230 N Main Ave
Ste 3
Scranton, PA 18508

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What are the Benefits of Commercial Insurance?

VNG Insurance Agency serving Scranton, PA is here to tell you that there is no downside to investing in commercial insurance. Any business owner will tell you that there are stumbling blocks on the path of success, and commercial insurance is the epitome of planning for the worst while hoping it doesn’t happen.

Accidents happen

Accidents happen in the workplace all the time. Commercial insurance in the form of workmen’s compensation will help provide financial protection against the injury and disability of your employees.

Property Damage

Assets are important to any business. Inventory, equipment, buildings. All businesses have at least one of these things in some form or another. Insurance adds an additional layer of protection against the unexpected. Commercial property insurance is one of the most basic types of commercial insurance that you should invest in to prevent financial loss.


Liability is always a concern when it comes to business. Commercial liability insurance helps lessen the financial hit if your business is judged legally liable in an event. Liability judgments may run into hundreds of thousands of dollars. Additional commercial umbrella insurance can be purchased for liability coverage if standard liability policies are not enough.

Peace of Mind

By far, the best benefit of commercial insurance is peace of mind.  A well-structured and carefully reviewed commercial insurance policy is worth its weight in gold. There are many commercial insurance options, whether you are home-based or running a corporation.

Take action!

No one knows what tomorrow will bring, but by speaking to the VNG Insurance Agency serving the area of Scranton, PA today, you will be able to sleep easier at night knowing you have done everything to protect your business from the unexpected.

Home insurance FAQs

Home insurance is the protection every homeowner needs to make sure their investment is safe. About 5% of all homeowners file a claim on their home policy each year. That gives you a fairly good chance of making a claim at some point over the years. At VNG Insurance Agency in Scranton, PA, we have a team of agents who will take the time to get to know you so that we can customize your home policy to your needs. 

What does home insurance cover?

Home insurance covers the physical structure of your home and any attached or detached structures. It also covers the contents of your home with some limits on categories. Liability coverage is included for any injuries sustained by someone visiting your home or injured by a member of your family. Loss of use coverage will help to pay for a place to stay if your home is damaged by a covered peril. 

What isn’t covered by home insurance?

The major exclusion on your home insurance is flooding, which is not covered. You are also not covered for any earth movement, which includes earthquakes, mudslides, and sinkholes. Wear and tear are not covered, so you need to maintain your home. Termites and other pests are also not covered. It is your responsibility to get the treatment you need before it becomes a problem. 

What should I choose for a deductible?

Your home policy has a deductible. This amount must be paid out of pocket before any claim is paid. The deductible is on every claim that you have. Common amounts are anywhere from $500 to $2500. The higher the deductible, the lower the premium, but if it would be a hardship to pay $2500 out of pocket, then it isn’t a good choice. 

In Scranton, PA, contact VNG Insurance Agency for all your home insurance needs. 

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