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Sprowls Insurance Group

Since our founding in 1963, Sprowls Insurance Group has come a long way. From serving our local community to expanding our services across state lines in Pennsylvania, Maryland, and West Virginia, we have always focused on our goal of doing what’s best for our clients, our community, and our team.

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About Our Agency

Licensed in Pennsylvania, Maryland, and West Virginia, we are proud to bring our personalized service with a local touch to businesses and families. We still value the personal approach to insurance, that means getting to know you and truly understanding your needs so we can help you plan for the future and protect what’s most important. You can count on us to always put your best interests first.

When it comes to providing insurance to businesses and families, we understand that you’re looking for expertise and knowledgeable advice for your specific needs. That’s why we have two dedicated teams, one focusing on business insurance and benefits, and the other committed to personal insurance solutions. By taking a focused approach, you can rely on us to get you the answers to your questions and the solutions that best fit your unique needs.

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Committed to Community

Giving back and getting involved in supporting our community is at the core of who we are.

Statewide Service

Licensed in PA, MD, and WV, we give businesses and families personalized service with a local touch.

Experienced Team

We have a knowledgeable team dedicated to serving you and excelling in their areas of expertise.

The Solution To Your Insurance Needs

Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Sprowls Insurance Group does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

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 are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Real clients. Real reviews. Real coverage.

“The best in the business. Hands down!”

– Anonymous
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Sprowls Insurance Group + Erie

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

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Sprowls Insurance Group + Keystone

Keystone Insurers Group shares in our mission to safeguard livelihoods, bolster businesses, and fortify communities.

Our Keystone Partnership

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Sprowls Insurance Group + Trusted Choice

Simplifying the insurance process to find you the right coverage.

Why We Are Independent

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With two offices in Uniontown, PA and Belle Vernon, PA, we are proud to serve businesses and families throughout Pennsylvania, Maryland, and West Virginia.

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We are licensed in and are proud to serve clients across three states: Pennsylvania, Maryland, and West Virginia.

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We have two office locations and two separate divisions for business and personal insurance to best serve you.

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We have one goal, which is to always do what’s best for our clients, our community, and our team.

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

Business

Business Owners Policy (BOP)

Risk Factor

As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?

Solution

A business owners policy is uniquely designed to protect your most important assets, including your business, its continuation, your employees, and your way of life. Discuss the details of this coverage with your agent and ensure that you're protected.

Errors and Omissions Liability (E&O)

Risk Factor

If you perform services for others, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Solution

Errors and omissions liability insurance protects any business that gives advice, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Crime and Fidelity Bond

Risk Factor

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Solution

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Environmental Insurance

Risk Factor

Could your business cause damage to the environment? If so, are you covered?

Solution

Environmental insurance provides protection if an environmental catastrophe occurs.

Systems Breakdown

Risk Factor

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.

Solution

Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.

Workers' Compensation and State Disability

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.

Solution

State disability and workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you have it.

Business Auto Insurance

Risk Factor

An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, and other coverages, and includes both comprehensive and collision coverage.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Cyber Liability

Risk Factor

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

Solution

Cyber liability coverage covers unauthorized access to electronic data or software within your network. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

Business Income

Risk Factor

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or 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.

Business Insurance 101

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

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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As an independent agency, we are here to help you find the right coverage.

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With two offices in Uniontown, PA and Belle Vernon, PA, we are proud to serve businesses and families throughout Pennsylvania, Maryland, and West Virginia.

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