Learn About Hart, McConahy, & Martz
Hart, McConahy, & Martz is the city of Erie’s oldest insurance agency and has served Erie, Pennsylvania’s insurance needs since 1872. We take pride in our ability to provide insurance needs for businesses and individuals throughout Pennsylvania and multiple states. Hart, McConahy, & Martz provides business insurance for businesses in a variety of sizes and industries so you can protect your business for years to come. Our employee benefits service staff is committed to assisting our clients in any administrative issue (billing, enrollment, changes, etc.), as well as resolving any claim problems. We also provide personal insurance, including Medicare solutions.
One of the key contributing factors of our success is that our agency represents a number of outstanding national and regional insurance carriers so we can offer affordable coverages to our clients. We also stand by our personal service. Our experienced team is prepared to find insurance for your needs, and we work for you, not the insurance company.
Serving Erie’s Insurance Needs Since 1872
As a locally-owned business, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Erie, PA, and across Pennsylvania, and multiple states.
We Work For You
Hart, McConahy, & Martz offers a variety of business insurance, employee benefits, personal insurance, Medicare, and insurance by industry solutions to help you protect what matters most.
An Independent Agency Gives You Options
We proudly represent over 45 carriers!
As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
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.
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.
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 (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.
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.
What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?
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.
Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.
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.
What will you do if one of your trusted employees is found guilty of doing something dishonest?
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.
Could your business cause damage to the environment? If so, are you covered?
Environmental insurance provides protection if an environmental catastrophe occurs.
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.
Comprehensive coverage provides protection against equipment mechanical breakdown. Discuss the details of what's covered with your insurance agent.
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.
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 understand your obligations.
An auto accident can cause bodily injury or property damage to others for which you are responsible, potentially putting your business in financial jeopardy.
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.
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.
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.
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.
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.
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.
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.
Your business property is a significant financial investment. What if something happens to it?
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.
Click it. Read it. Cover it.
- Click on the hotspots.
- Discover your risks.
- Explore coverage options.
Not what you’re looking for?
Explore more interactive graphics.
Manage Your Policies
Already a client of Hart, McConahy, & Martz? Visit our Service Center to make requests and manage your insurance.
Our Commitment to Our Clients
Check out our reviews and see why you should switch to Hart, McConahy, & Martz.
“I’ve been doing business with this agency for years. They are always polite and quick to respond. Today Joanne was extremely helpful and her knowledge of the specific type of auto insurance that I needed was impressive.”
“Longnecker DataCom would like to thank Hart McConahy & Martz Insurance Inc! The right insurance is crucial and might keep you from getting the next job. Ben is super prompt and professional, their firm is highly recommended!”
“Great service and always trying to get you the best and fairest insurance. Very helpful and always returns your calls right away. I recommend them to anyone looking for a good honest insurance agency. They won’t steer you wrong.”
Let's Get Started
Contact Hart, McConahy, & Martz
"*" indicates required fields