Running a small or mid-sized business in Chester County, PA means wearing a dozen different hats every day. Between managing growth, serving clients, and keeping an eye on the bottom line, tracking down the right commercial insurance shouldn’t feel like a full-time job.
At Longen Group, our mission is simple: provide local business owners with tailored commercial coverage and zero hassle. With local offices in Kennett Square, Exton, and Chester Springs, PA, we proudly serve growing companies throughout Pennsylvania, Delaware, Maryland, and New Jersey.
To give our clients even greater flexibility, we are thrilled to announce that Longen Group now offers biBERK Insurance, joining our premier lineup of commercial carriers: Travelers, Donegal, Hanover, Grange, and Farmers of Salem.
Here is what this means for your business—and how to choose the right coverage strategy for your goals.
What Is biBERK, and Why Are We Excited to Offer It?
Backed by the financial strength of the Berkshire Hathaway Insurance Group (rated A++ Superior by AM Best), biBERK was built specifically to protect small and mid-sized businesses across a wide range of industries.
While biBERK was originally known primarily as a direct option, they now partner directly with independent local agents like Longen Group. That means you get the best of both worlds: competitive national rates (often up to 20% savings) and fast turnarounds, combined with the personal touch and advocacy of a dedicated local agent in your corner.
Key Coverages Available Through biBERK:
-
Business Owners Policies (BOP): Bundling General Liability and Commercial Property into one cost-effective package.
-
General Liability: Protection against slip-and-fall claims, property damage, and bodily injury.
-
Workers’ Compensation: Essential state-required coverage to protect your employees as your team grows across PA, DE, MD, or NJ.
-
Professional Liability (E&O): Defense against legal claims stemming from professional errors, omissions, or advice.
-
Business Auto & Commercial Umbrella: Essential extra protection for company vehicles, mobile services, or higher liability limits.
National Powerhouses vs. Regional Specialists: The Longen Group Advantage
Why purchase biBERK, Travelers, or regional commercial coverage through Longen Group? Because no two businesses face the exact same risk profile.
By combining national powerhouses like biBERK and Travelers with top-tier regional carriers like Donegal, Hanover, Grange, and Farmers of Salem, our team gives mid-sized and small business owners unmatched flexibility:
Serving Businesses Across Chester County, PA & Beyond
Whether you manage a boutique in Kennett Square, a growing tech firm in Exton, a contractor operation in Chester Springs, or a mid-sized commercial enterprise anywhere across Pennsylvania, Delaware, Maryland, or New Jersey, our licensed advisors work directly with you to eliminate coverage gaps and lower your overhead.
3 Steps to Right-Size Your Commercial Coverage:
-
Audit Your Current Risks: Have you added equipment, hired staff, or expanded across state lines into DE, MD, or NJ this year?
-
Compare National vs. Regional Carriers: Weigh national scale and specialized programs (like biBERK or Travelers) against dedicated regional options (like Farmers of Salem or Donegal).
-
Work with a Local Advisor: Let our team run quotes across our full carrier network to land the ideal balance of price, scope, and protection.
Frequently Asked Questions (FAQ)
1. What is a Business Owners Policy (BOP), and does my company need one?
A Business Owners Policy (BOP) bundles two core insurance coverages into one package: Commercial General Liability (protecting against third-party injuries or property damage) and Commercial Property insurance (protecting your equipment, inventory, or office building). It is usually the most cost-effective foundation for small and mid-sized businesses.
2. Is biBERK a reliable insurance carrier for my business?
Yes. biBERK is part of the Berkshire Hathaway Insurance Group, holding an A++ (Superior) financial strength rating from AM Best. Working with biBERK through Longen Group gives you access to their highly competitive rates backed by the personal support of a local agent.
3. Why should I use an independent agency like Longen Group instead of buying directly online?
When you shop directly on a single website, you only see one carrier’s price and coverage rules. As an independent agency, Longen Group compares quotes across multiple national carriers (like biBERK and Travelers) and regional specialists (like Farmers of Salem, Donegal, Hanover, and Grange) to make sure you get the best price without sacrificing protection.
4. What states does Longen Group serve?
While our physical offices are located in Kennett Square, Exton, and Chester Springs, PA, our team is fully licensed to write commercial insurance across Pennsylvania, Delaware, Maryland, and New Jersey.
5. What is the difference between a national carrier (like Travelers or biBERK) and a regional carrier (like Farmers of Salem)?
National carriers like Travelers and biBERK offer vast financial backing, broad appetite across many industries, and standardized digital ease. Regional carriers like Farmers of Salem or Donegal specialize in local underwriting nuances, regional weather patterns, and hyper-local industry risks specific to PA, DE, and NJ.
6. Do I need Workers’ Compensation insurance if I only have a few employees?
Yes. In Pennsylvania, Delaware, Maryland, and New Jersey, Workers’ Compensation insurance is generally required by state law as soon as you hire your first employee (with limited exceptions depending on business structure). It covers employee medical bills and lost wages if they suffer a work-related injury or illness.
Protect Your Business with a Local Team You Trust
Whether you are launching a new startup, expanding operations, or reviewing your current policies to trim costs, Longen Group is here to guide you every step of the way.
📍 Visit Us Locally: We are available by phone and also in person at our offices in Kennett Square, Exton, or Chester Springs, PA.
🌐 Get Started Online: Request a Commercial Insurance Quote or contact our advisors today to compare biBERK, Travelers, and our top regional carriers!
