PHT Insurance Services
Protect Your Business Today
Leave Your Insurance Matters in Our Hands
PHT Insurance Services is dedicated to offering the best liability coverage for contractors, freelancers, and small businesses across the United States. We understand that quality coverage comes from insurers who know the unique needs of your industry. Our team consists of experts in insurance, small business, and contract work, ready to support you.
How We Make It Simple
Custom Policies for Every Profession
Insurance Policies Every Small Business Owner Needs
BOP (Business Owner’s Policy)
BOP provides protection for valuable assets like owned or leased buildings, equipment, or inventory against damage from theft, vandalism, or natural disasters. Even if you lease your space, your landlord may require coverage. This policy also safeguards against claims from injuries on your property and can replace lost income due to damage to your premises.
Coverage Includes
- General Liability
- Business Income
- Property Damage
- Theft and Vandalism
General Liability Insurance
General liability insurance protects you and your business from claims related to bodily injuries and property damage caused by your products, services, or operations. It can also cover damages to your landlord’s property if you're held responsible.
Coverage Includes
- Third-Party Bodily Injury
- Third-Party Property Damage
- Medical and Legal Expenses
- Advertising Injury
Workers’ Compensation Insurance
In many states, workers' compensation is mandatory. Failing to have coverage can result in serious consequences if one of your employees is injured on the job. Accidents can happen, no matter how diligent you are about safety. Workers’ compensation protects your most valuable asset: your employees.
Coverage Includes
- Medical Expenses
- Ongoing Care Costs
- Lost Wages
- Funeral Expenses
Commercial Auto Insurance
Personal car insurance typically covers commuting to and from work, but as a business owner, your vehicle may be used for deliveries or transporting merchandise. If your vehicle is involved in an accident while being used for business purposes, your personal insurance may not cover it. That’s why it’s crucial to have a commercial auto policy to ensure you’re protected.
Coverage Includes
- Driver Injury
- Third-Party Injury
- Damage to Your Vehicle
- Third-Party Property Damage
Umbrella Insurance
Umbrella insurance offers additional coverage beyond the limits of your existing policies. It helps protect you against injuries, property damage, certain lawsuits, and personal liability situations that may exceed the coverage of your primary insurance.
Coverage Includes
- Extra Protection Beyond Policy Limits
- Injuries
- Property Damage
- Lawsuits
- Personal Liability
Construction Insurance
Protect your team, tools, and timeline from job site risks. We help you meet contract requirements while keeping your projects covered and on track.
General Liability
Protect your business from third-party claims and legal expenses with General Liability Insurance. Essential for staying compliant and secure.
Workers’ Compensation
Workers’ Compensation covers injuries or illnesses at work, helping with medical costs, lost wages, and recovery.
Insurance Built for Business
We combine speed, service, and personalized protection to make insurance simpler and smarter for professionals across the U.S. Here’s what sets us apart.
Bilingual, Inclusive Support
We proudly serve English- and Spanish-speaking clients with clear, respectful, and culturally aware service—because everyone deserves to feel confident about their coverage.
Fast, Online Quotes
Get insured without the wait. Our digital tools let you request, compare, and bind policies online—saving you time, reducing stress, and getting your business covered faster.
Industry-Specific Solutions
We specialize in industries others overlook—like contractors, event planners, and daycares—offering policies that meet real compliance demands, job-site risks, and client expectations.
Nationwide Licensing
Licensed in all 50 states, we’re ready to support your business wherever you go—whether you’re growing locally or scaling nationally.
Clear Pricing, No Surprises
We believe in honest, upfront costs. You’ll know exactly what you’re paying for—no fine print, hidden fees, or pressure.
COIs in Minutes
Do you require a Certificate of Insurance at this time? We deliver them fast so you can win contracts, stay compliant, and get back to work—stress-free.
Get Covered Today Through Our Trusted Network of Partners
We’re a fully licensed insurance agency, trusted to serve all 50 states with expert guidance and industry-compliant coverage. From New York to nationwide, we bring licensed expertise and personal support.
