Licensed in Pennsylvania (PA)
Pennsylvania's economy is anchored by two major metropolitan powerhouses in Philadelphia and Pittsburgh, with a diverse mix of healthcare, manufacturing, energy, and agriculture in between. The Keystone State's complex regulatory environment and varied geography demand insurance solutions as multifaceted as its business landscape.
Takes ~2 minutes · We review your requirements · Coverage matched to your contracts
Operating without proper commercial insurance in Pennsylvania exposes your business to lawsuits, regulatory penalties, and uninsured losses. Pennsylvania requires commercial auto minimums of $15,000/$30,000/$5,000 with mandatory first-party medical benefits. The state has specific requirements for the medical malpractice sector under the MCARE Act, including mandatory participation in the MCARE Fund. Pennsylvania's dram shop liability laws create significant liquor liability exposure for establishments serving alcohol. The state also requires specific surety bonding for certain contractor categories.
Bobby Friel
Partner, Direct Insurance Services
You know how it is — you're running operations, managing people, watching cash flow, and you don't have time to wonder whether your contracts have ever been read against your active policy line by line. You assume the general liability limit matches what your largest contract requires. You assume the workers' comp classification codes still reflect what your team actually does. You assume the cyber sublimit would cover the ransomware attack your industry is now experiencing. And then a vendor submits a non-compliant COI you can't enforce, or a claim gets denied on a coinsurance penalty, and suddenly you're discovering what the policy actually says.
What we do is map your actual contracts, leases, governing documents, and operational realities to the policy language — before you renew, before a denied claim becomes your problem. On video. So you know exactly how your policy responds.
We bind fast too. As fast as the online quote tools on standard risks. The difference isn't speed — it's that we don't ship coverage with gaps. Is saving 5 to 10 minutes on a generic quote worth gaps that can shut your operation down, drain revenue during a claim dispute, and force cash payouts the policy was supposed to cover?
When was the last time anyone took the time to close your coverage gaps before the bind, not after the claim?
On Video Before Binding
Watch how a real commercial policy review works and how commercial insurance actually responds — before you decide what to bind.
Watch: How commercial insurance actually works
Everything you need to know about commercial coverage — in under 2 minutes.
Watch: A real commercial policy review
Patrick Henigan · Licensed Agent, Direct Insurance Services
Coverage Areas
Each industry has a dedicated Pennsylvania page with state-specific coverage details, cost factors, laws, and FAQs.
HOA coverage for Pennsylvania communities managing freeze-thaw damage, flood risk, and aging infrastructure in suburban and urban developments.
Property owner protection for Pennsylvania's diverse commercial real estate from Philadelphia's Center City to Pittsburgh's innovation district.
Cyber coverage for healthcare, e-commerce, professional services, and any operation handling customer data or accepting digital payments.
Coverage for Pennsylvania contractors managing historic building renovation, harsh winter conditions, and active construction in Philadelphia and Pittsburgh.
Protect Pennsylvania restaurants from Philadelphia's competitive dining scene, winter weather disruptions, and the state's liquor liability laws.
Don't see your industry? Browse all commercial insurance options
⚠️ Key Risks
The coverage gaps and risk patterns we see most often when reviewing policies for Pennsylvania businesses.
Pennsylvania experiences harsh winters with heavy snowfall, ice storms, and repeated freeze-thaw cycles that damage commercial roofs, foundations, parking lots, and plumbing systems. Winter storms can shut down operations and create significant slip-and-fall liability exposure.
Pennsylvania faces substantial flood risk from the Delaware, Susquehanna, Ohio, and Schuylkill Rivers and their tributaries. Tropical Storm Agnes (1972) and Hurricane Ida (2021) caused catastrophic flooding. Businesses throughout the state face flood exposure not covered by standard policies.
Pennsylvania's older cities contain many commercial buildings dating to the 19th and early 20th centuries. Aging electrical systems, deteriorating masonry, outdated plumbing, and asbestos-containing materials create elevated property risks and complicate insurance underwriting.
Pennsylvania's patchwork of municipal regulations, including Philadelphia's business income and receipts tax and varying local ordinances, creates compliance challenges. The state's regulatory environment for insurance, employment, and environmental matters is among the most complex in the Northeast.
With one of the nation's highest concentrations of healthcare providers, Pennsylvania has a significant medical malpractice landscape. The state's Medical Care Availability and Reduction of Error (MCARE) Act governs medical liability, and the healthcare sector faces ongoing professional liability cost pressures.
Natural gas extraction from the Marcellus Shale formation has created environmental liability concerns, including groundwater contamination, well site remediation, and community impact issues. Businesses in the energy sector face complex environmental and operational liability exposures.
Cost Overview
| Industry | Top Cost Drivers | Key Cost Driver | Risk Level | |
|---|---|---|---|---|
| Contractors | Trade class, payroll, COI requirements, claims history | Trade type, payroll, COI requirements | Critical | |
| Restaurants | Cuisine type, liquor %, seating, delivery operations | Liquor sales %, seating, late-night hours | Significant | |
| HOA / Condo | Unit count, amenities, claims history, CC&R requirements | Units, construction type, amenities | Notable | |
| Commercial Landlords | Occupancy mix, property age, tenant insurance compliance | Property value, tenant mix, vacancy | Significant | |
| Cyber (Healthcare / E-Com / Tech) | Data sensitivity, revenue, security controls, vendor stack | Industry + data type + controls in place | Critical |
These ranges vary significantly based on your specific business, claims history, and coverage needs. Use our free risk calculators to flag specific coverage gaps — or request a quote to walk through your operation with us.
Risk Calculators
Free risk calculators — no signup, no email required. Pick your industry and identify your gaps in 30 seconds.
Identify your GL, workers comp, and auto coverage gaps by trade.
Identify coverage risks for your restaurant type.
Identify coverage risks for your master policy and D&O by community size.
Identify LRO and liability coverage risks for your building.
Identify ransomware, BI, privacy, and vendor gaps for healthcare / e-commerce / tech.
Coverage We Specialize In
Across the operations we insure, these are the nine coverage types we review most often — sometimes because they're foundational, sometimes because they're frequently missing from standard renewals, and sometimes because they require depth most generalist agencies don't carry. We walk through each one against your specific documents, not against a generic category.
Every commercial lease, general contractor agreement, and lender requirement names a specific liability limit. General liability responds when a third party is injured on your premises, when your work or operations damage someone else's property, or when a claim involving advertising, defamation, or personal injury comes back against the business. It's the foundation most other commercial coverage is built on — and the limit that renewal cycles most commonly carry forward without being measured against what current contracts actually require. We review your active agreements alongside your current policy to confirm the limit your coverage shows matches the limit your contracts demand.
Explore General Liability Coverage →In most of the 29 states we serve, workers' compensation is required by law once you employ anyone. It covers medical expenses, rehabilitation costs, and a portion of lost wages when an employee is injured or becomes ill from work-related activity. Whether you have employees is rarely the question — the question is whether the classification codes assigned to your workers reflect what they actually do on the job. Misclassified roles create gaps that standard policy renewals don't surface. Coverage can be in place and still not respond correctly when the job description doesn't match what's on the dec page (the policy's declarations page). We review your payroll structure and job descriptions alongside your current coverage to confirm every role is classified and covered correctly.
Explore Workers' Compensation →A cyber incident — whether ransomware, a stolen vendor login, or a data breach — triggers costs that most standard commercial policies don't cover: forensic investigation, notification to affected parties, regulatory response, and lost-income coverage during the recovery period. Standalone cyber coverage handles those costs. What it actually pays for depends on the caps inside the policy on specific loss categories — limits that vary significantly from one policy form to another. Most standard commercial packages don't include standalone cyber coverage at all. For any business that processes payments, holds client or member data, or operates a networked system, that gap exists whether or not the renewal cycle surfaced it. We review your current policy alongside your actual digital exposure to confirm where coverage is in place and where it isn't.
Explore Cyber Insurance →Commercial property coverage protects your physical assets — owned or leased buildings, equipment, inventory, and the improvements your business has made to a space — when fire, storm, theft, or equipment breakdown interrupts your operations. The limit that matters is what it would cost to rebuild or replace at today's prices. Policies carried forward through multiple renewal cycles often reflect property values from when the building was last appraised — not current construction costs or the current replacement value of equipment and inventory. We review your property schedules — what's listed, at what value, and under what coverage terms — to confirm the numbers reflect your operation as it actually exists today.
Explore Commercial Property →If a vehicle is used for business — owned by the company, leased, or driven by an employee using their personal car for a work errand — a personal auto policy won't respond when the accident happens on company time. Commercial auto covers the business vehicle and the liability that comes with putting a vehicle on the road in the company's name. The gap most commercial auto renewals miss isn't the owned fleet — it's coverage for employees using their own vehicles for work — sometimes called hired and non-owned auto — that standard commercial auto renewals often don't include by default. We review your vehicle schedule and how your team uses vehicles for work to confirm coverage matches how your operation actually moves.
Explore Commercial Auto →A Business Owner's Policy — commonly called a BOP — bundles general liability and commercial property coverage into a single policy structure. For small to mid-size commercial operations that need both, the bundle simplifies administration and reduces the number of separate policies to track. What the bundle doesn't do on its own: it doesn't verify that the property limits reflect actual replacement values, or that the liability limits match what current leases and contracts require. Consolidated coverage carries the same precision requirements as individual policies. We review your BOP structure against your current lease obligations, contract requirements, and property schedules to confirm the bundle reflects your operation as it stands.
Explore Business Owner's Policy →When a primary policy's limit is exhausted — whether general liability, commercial auto, or workers' compensation — a commercial umbrella extends coverage above it. It raises your total coverage capacity without requiring higher limits on every underlying policy individually. For building owners, HOA boards, contractors, and restaurant operators with real large-loss exposure, the question isn't whether to carry excess coverage. It's whether the current limit was set to match the actual scale of what's now at risk. Most umbrella limits are established at inception and never re-measured as the operation grows or as the risk environment changes. We review your current umbrella structure against your underlying policies and your actual exposure today.
Explore Commercial Umbrella →An HOA master policy is the association's primary property coverage — the policy that responds when shared structures, common areas, and the building envelope sustain damage. What it actually covers depends on whether the policy is structured as "bare walls," "single entity," or "all-in" — three distinct coverage structures with meaningfully different implications for what individual unit owners are responsible for covering on their own. The governing documents set the coverage obligation. The master policy needs to match. Most master policies are renewed from the prior year's dec page (the policy's declarations page) without being read against current governing-document requirements, reserve study findings, or recent structural assessments. We read your governing documents and your master policy together — on video — to confirm the structure and limits reflect what the association is actually responsible for.
Explore HOA Master Policy →Building owner coverage — also written as lessor's risk only (LRO) insurance — is the commercial property and liability structure built specifically for owners of occupied commercial buildings. It covers the building itself, lost rental income if a covered event makes the property unrentable, and the liability exposure that comes with operating a commercial building. What standard property policies often miss: vacancy provisions — policy clauses that restrict or exclude coverage when occupancy drops below a certain threshold — and lease compliance requirements that most standard renewals don't verify against active tenant agreements. We review your lease structures, occupancy history, and current policy terms together to confirm your coverage reflects the building as it's actually operating.
Explore Building Owner Coverage →Our Process
Bobby Friel
Partner, Direct Insurance Services
Our process is designed to get you the right coverage for your Pennsylvania operation — not a generic business owner policy. Here are the 6 steps we walk through together.
Share your operation type, revenue, payroll, and any specific coverage requirements from contracts, lenders, GCs, project owners, governing documents, or vendors. We start with your real situation — not a generic application.
Before we quote, we read the documents that actually determine your real exposure — contracts, leases, governing documents, vendor agreements, certificate requirements. Restaurants get their lease and franchise agreement reviewed. HOAs get their CC&Rs and bylaws reviewed. Landlords get their leases reviewed. Contractors get their subcontract agreements reviewed. Cyber clients get their data-handling commitments reviewed. This is where most agents skip the work.
Your operation goes to the carriers that actually write your vertical at competitive terms — not generalists treating your industry as an add-on to a BOP. We compare coverage, pricing, and claims handling across 30+ A-rated carriers and surplus markets.
We walk you through every option on video — limits, exclusions, what your documents actually require, what is covered, what is not. No PDFs to decipher, no jargon. Just plain English.
Need coverage for a new contract, lease signing, board meeting, or closing? We review your requirements before binding so your coverage clears on the first submission.
Your COIs, endorsement updates, and renewal reviews happen on your timeline, not on a service-ticket queue. Need a certificate at 4pm Friday for a Monday job? Handled.
We're appointed with carriers who write each of our 5 verticals at competitive terms — restaurants, HOAs, commercial landlords, contractors, and cyber. Not generalists treating your operation as an add-on. We compare quotes from multiple A-rated specialty markets to find the policy language that actually responds when you need it.
“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”
— Jessica K., Google Review
“Helped me get the right coverage for my business and made everything super easy to understand. Bobby was especially great — very friendly, responsive, and genuinely cared about making sure I was taken care of.”
— Michael O., Google Review
“He takes the time to understand your business needs before recommending coverage. You can tell he genuinely cares about his clients and goes the extra mile to make sure everything is handled properly.”
— Jen K., Google Review
“I run a snow plow removal business and my old insurance provider dropped my coverage!! They got everything sorted out and I was insured the same day. These guys know how to help, use them!!”
— Jessica K., Google Review
📝 Helpful to Have
The more we know about your operations, contracts, and exposure profile, the more precisely we can match coverage to your actual risk. Here's what helps — but if you don't have it all, we'll work through it together.
Don't have everything? No problem — start the form and we'll review what we need together.
What Changes When We Read First
Pennsylvania commercial operators — from Philadelphia's Center City to Pittsburgh's Golden Triangle and the Pocono resort communities — who choose to have their coverage reviewed first see real changes in how their program performs. Here's what looks different six months in.
Frequently Asked
Commercial Insurance in Pennsylvania
Four angles on what shapes commercial insurance for Pennsylvania operators — landscape, laws, realities, and cost drivers.
Pennsylvania's commercial insurance market spans two major metropolitan economies — Philadelphia's financial services, life-sciences, and healthcare market in the east and Pittsburgh's technology, healthcare, and energy transition market in the west — alongside a substantial secondary commercial market in Allentown, Harrisburg, Scranton, and the state's manufacturing and agricultural corridor.
HOA associations governed under the Pennsylvania Uniform Planned Community Act and the Pennsylvania Uniform Condominium Act cover communities ranging from Philadelphia's Center City condominium associations and Main Line suburban planned developments to Pittsburgh's North Shore and Shadyside urban condominium market and the Pennsylvania Pocono Mountains resort-area HOA communities that carry seasonal occupancy and recreational liability profiles unlike the state's urban markets.
Pennsylvania's restaurant and bar licensing environment is administered by the Pennsylvania Liquor Control Board (PLCB) — one of the most distinctive licensing systems in the country, operating as a state monopoly for off-premises spirits sales alongside the R-license (restaurant liquor license) structure for on-premises consumption. The PLCB R-license is the operator-vocabulary term Pennsylvania restaurant operators and their insurers use — it is the standard licensed-restaurant coverage context in the Pennsylvania market. Pennsylvania's contractor market operates under the Home Improvement Consumer Protection Act (HICPA), which imposes registration and consumer-disclosure requirements on home improvement contractors across the state. Philadelphia's financial and life-sciences corridor and Pittsburgh's healthcare and energy-technology market each create distinct cyber exposure profiles that the absence of a comprehensive Pennsylvania state privacy law currently routes primarily through federal regulatory frameworks.
68 Pa. C.S. § 5101 et seq. (Pennsylvania Uniform Planned Community Act) and § 3101 et seq. (Pennsylvania Uniform Condominium Act) together establish the governance framework, reserve fund obligations, and master policy requirements for planned community and condominium associations statewide. Pennsylvania's dual-act framework creates different governance and insurance obligation structures for planned communities versus condominiums — associations operating under the wrong act's assumptions, or whose governing documents haven't been reviewed since the community's formation, may carry coverage definition and board-liability gaps that a fresh document-versus-policy review would surface.
73 P.S. § 517.1 et seq. (Pennsylvania Home Improvement Consumer Protection Act — HICPA, administered by the Attorney General's Office) establishes registration requirements and consumer-disclosure obligations for home improvement contractors in Pennsylvania. HICPA registration status and classification are active underwriting factors for Pennsylvania contractor general liability programs — unlicensed or misregistered operations face coverage questions on residential and commercial improvement project loss events.
47 P.S. § 1-101 et seq. (Pennsylvania Liquor Code, administered by the Pennsylvania Liquor Control Board — PLCB) governs on-premises liquor licensing for Pennsylvania restaurants and bars. The PLCB R-license authorizes on-premises consumption of all liquor, wine, and malt beverages at licensed restaurants — carrier underwriting for Pennsylvania restaurant liquor liability reviews PLCB license classification and alcohol sales concentration as the primary underwriting variables. Pennsylvania's Dram Shop Act creates third-party liability for commercial alcohol service to visibly intoxicated individuals, shaping the available-limits and coverage-structure decisions that carriers offer for R-license operations.
77 P.S. § 1 et seq. (Pennsylvania Workers' Compensation Act) establishes mandatory workers' compensation coverage for Pennsylvania employers. The Pennsylvania Workers' Compensation Bureau administers the system — classification code accuracy and experience modification rates are the primary premium drivers for Pennsylvania contractor and employer operations.
Pennsylvania commercial operators face a severe weather profile defined by Nor'easter winter storms, flooding along the state's river corridors, and a healthcare and life-sciences commercial sector that creates significant cyber exposure across both metro markets.
Nor'easter storms — the Atlantic-coast winter storm system that produces heavy snow, ice, and wind along the Northeast corridor — create commercial property and HOA master policy loss patterns that Pennsylvania's Philadelphia and eastern corridor markets carry with regularity. Building owners and HOA associations in eastern Pennsylvania manage roof-load failures, ice dam damage, and mechanical system stress from Nor'easters that moderate-winter commercial markets don't price. Pittsburgh's western Pennsylvania market carries lake-effect and mountain-pass weather patterns that differ from the Nor'easter-dominated east.
Pennsylvania's river corridor flooding — the Susquehanna, Delaware, and Allegheny river systems — creates flood exposure for commercial properties and HOA associations in the river-adjacent markets of Harrisburg, Wilkes-Barre, and parts of the Philadelphia and Pittsburgh suburban corridors. Hurricane remnants tracking inland along the Susquehanna corridor have produced catastrophic Pennsylvania river flooding in recent decades, creating a documented flood loss pattern that property carriers track by elevation and flood zone designation.
Philadelphia's life-sciences and pharmaceutical corridor — one of the country's most active biotech and contract-research markets — creates HIPAA-regulated clinical data and proprietary research data exposures that require cyber coverage precision beyond standard commercial packages. Pittsburgh's growing healthcare and healthcare-technology market adds additional HIPAA-adjacent exposure concentration that the absence of a comprehensive Pennsylvania state privacy law makes more dependent on federal framework coverage specificity.
Pennsylvania commercial premium drivers reflect the state's Nor'easter property exposure, river-corridor flood risk, PLCB R-license liquor liability framework, and the Philadelphia and Pittsburgh sectors' federal-framework cyber profile.
For HOA associations, Pennsylvania Uniform Condominium Act and Uniform Planned Community Act compliance and governing-document currency are the foundational D&O and master policy underwriting factors. Pocono Mountains resort-area HOA associations face seasonal occupancy and recreational liability factors that the Philadelphia and Pittsburgh suburban HOA markets don't produce. Eastern Pennsylvania associations face Nor'easter winter property loss patterns that drive master policy pricing for associations with older building-envelope and roofing systems. Reserve fund health and reserve fund study currency remain the highest-leverage D&O underwriting factors across all Pennsylvania market geographies.
Pennsylvania contractor workers' compensation pricing reflects HICPA registration compliance and the experience modification rate under the Pennsylvania Workers' Compensation Bureau framework. Philadelphia and Pittsburgh's active commercial renovation and construction markets create high WC premium demand — and classification code accuracy for multi-trade contractor operations remains the highest-leverage cost factor in both markets.
PLCB R-license restaurant and bar liquor liability premiums reflect the Dram Shop Act's recovery framework and the PLCB's licensing structure for Pennsylvania's on-premises consumption market. Carriers approach Pennsylvania R-license underwriting with attention to alcohol-to-food revenue ratios, peak-night volume patterns, and the Dram Shop Act's available recovery — operations whose alcohol sales concentration has shifted since the last policy review may be carrying premiums that don't reflect the current sales profile.
Cyber pricing for Philadelphia's life-sciences corridor and Pittsburgh's healthcare-technology market reflects both HIPAA regulatory defense exposure and the enterprise vendor agreement obligations that large pharmaceutical and health system counterparties impose. Operations that haven't reviewed cyber limits against the scope of vendor agreements signed since the last policy review may be carrying programs that don't respond to the actual contractual exposure.
Pennsylvania A-Rated Carrier Relationships
We shop your Pennsylvania commercial insurance program across 12+ A-rated specialty markets to match your operation to the right paper.
Plus additional specialty markets across our 29-state service area.
🗺️ Multi-Market Reach
HOA associations in Pennsylvania's Nor'easter corridor and Pocono resort communities face carrier appetite shaped by governing-document precision, building age, Nor'easter winter property exposure, and seasonal occupancy — factors that admitted carriers weigh differently by geography. PLCB R-licensed restaurant operations need liquor liability coverage structured for Pennsylvania's Dram Shop Act recovery framework and the PLCB's specific licensing conditions. Philadelphia's life-sciences and Pittsburgh's healthcare-technology operations need cyber coverage with HIPAA regulatory defense scope matched to federal framework obligations. We shop your governing documents, lease structures, PLCB license classification, and cybersecurity posture across multiple carriers — so your Pennsylvania operation matches the state's framework and your actual risk profile.
Regulatory Snapshot
Key regulatory frameworks shaping commercial insurance for Pennsylvania operators.
Pennsylvania Insurance Department (PID)
Pennsylvania insurance is regulated under Title 40 of the Pennsylvania Consolidated Statutes. The state follows a modified comparative negligence rule (51% bar) under 42 Pa.C.S. §7102. Pennsylvania's Unfair Insurance Practices Act (40 P.S. §1171.1-1171.15) governs insurer conduct. The MCARE Act (40 P.S. §1303.101-1303.910) addresses medical professional liability.
Pennsylvania workers' compensation is governed by the Workers' Compensation Act (77 P.S. §1-1041.4). All employers with one or more employees must carry coverage. Pennsylvania uses NCCI classification codes and allows coverage through private insurers or the State Workers' Insurance Fund (SWIF). Self-insurance is available for qualified employers.
Pennsylvania requires commercial auto minimums of $15,000/$30,000/$5,000 with mandatory first-party medical benefits. The state has specific requirements for the medical malpractice sector under the MCARE Act, including mandatory participation in the MCARE Fund. Pennsylvania's dram shop liability laws create significant liquor liability exposure for establishments serving alcohol. The state also requires specific surety bonding for certain contractor categories.
Business Climate
Pennsylvania's economy is among the largest and most diversified in the nation, driven by two world-class metropolitan areas with distinct economic identities. Philadelphia, the state's largest city, is a national center for healthcare, higher education, financial services, and life sciences. The city's healthcare sector includes major systems like Penn Medicine, Jefferson Health, and Temple University Health System, while the pharmaceutical industry maintains a significant presence with companies like GSK and numerous biotech firms along the Route 202 corridor.
Pittsburgh has completed a remarkable transformation from steel capital to a global leader in technology, robotics, artificial intelligence, and healthcare. Carnegie Mellon University and the University of Pittsburgh drive an innovation ecosystem that has attracted major tech companies including Google, Apple, Facebook, and Uber to establish significant operations. UPMC (University of Pittsburgh Medical Center) is one of the nation's largest healthcare systems and the region's largest employer. The city's advanced manufacturing, financial technology, and energy sectors complement its tech renaissance.
Between the two metros, Pennsylvania's economy encompasses substantial manufacturing, agriculture, and energy production. The state ranks among the top nationally for natural gas production from the Marcellus Shale formation, transforming the economy of northeastern and southwestern Pennsylvania. Agriculture generates over $7 billion annually, with the state leading in mushroom production and ranking highly for dairy, poultry, and specialty crops. The Lehigh Valley has emerged as a major logistics hub, and smaller cities like Harrisburg, Scranton, Erie, and Allentown serve as important regional economic centers. Pennsylvania's tourism industry, anchored by Philadelphia's historical attractions, the Pocono Mountains, and Lancaster County's Amish country, generates over $40 billion annually.
Nearby
We're also licensed and writing policies in these neighboring states.
National Footprint
We provide commercial insurance review across 29 service states.
We work with 30+ A-rated carriers to find the right coverage for Pennsylvania businesses. Start your quote online — it takes about 2 minutes.
