Since 1985, Central Pennsylvanians have trusted us to protect what they love.
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Sholley Insurance Agency
Our family works to protect what your family loves.
Our primary goal is to help protect what you love—whether it’s your home, business, or lifestyle—with the best coverage for your needs and at the best price. We do this better than our competitors because we are local and see you as an extension of the Sholley Insurance Agency family. No insurance agency advocates more for their clients than we do.
The owners and employees at the Sholley Insurance Agency live locally. They are the friends and neighbors of people within our community and understand the unique needs of individuals and businesses in this area. We diligently work to meet our clients’ needs not only because they are important to us, but also because the strength of our community is important to us.
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.
Find Out How
What Makes the Sholley Insurance Agency Special
Here’s what sets us apart when it comes to serving your insurance needs.
We are focused on community.
Giving back to the community in any way possible is at the heart of what we do. Our community means everything to us.
We are family owned.
When you become our client, you become a part of our family. Unlike big box insurance companies, we understand your unique needs because we live and work where you do.
We have innovative solutions.
We stay on the cutting-edge of the insurance industry in order to provide a wide variety of coverage options to best suit your needs.
We’re always here for you.
No matter what you need, we are here to serve as your advisor, consultant, and advocate when it comes to all aspects of your insurance.
We are focused on community.
Giving back to the community in any way possible is at the heart of what we do. Our community means everything to us.
We are family owned.
When you become our client, you become a part of our family. Unlike big box insurance companies, we understand your unique needs because we live and work where you do.
We have innovative solutions.
We stay on the cutting-edge of the insurance industry in order to provide a wide variety of coverage options to best suit your needs.
We’re always here for you.
No matter what you need, we are here to serve as your advisor, consultant, and advocate when it comes to all aspects of your insurance.
Real clients. Real testimonials. Real coverage.
“Anything I’ve ever needed help with, Sholley Insurance has gone over and above getting the help and/or answers I’ve needed.”
– Melissa Bilger, Keller Marine & RV
Read More Testimonials
Why Choose the Sholley Insurance Agency?
We strive to do our best by our community and clients. Here’s how.
We are local
We’re your neighbors and share your interest in the local communities we live in and serve, as well as understanding the area to better serve you.
We are experts
We clarify the complexities of insurance, helping you make smart decisions. We not only find you competitive pricing but also make sure you are adequately covered.
We are your advocate
We will save you time by assisting in every aspect of the insurance process, working with the insurance company on your behalf.
We offer creative solutions
We recognize the unique circumstances of each client and work with you to develop a strategy that best meets your needs while being mindful of your budget.
We offer one-stop shopping
We represent multiple insurance companies and offer business, benefits, and personal insurance to find the best solutions for all your insurance needs.
We give you a choice
We compare different companies, products, and policies to get you the right blend of price, coverage, and service.
We save you money
We can bundle your policies for premium savings, and tailor coverage to meet your specific insurance needs and budget.
We are lifetime consultants
We periodically review your coverage and help you through all the changes in life and business by enhancing your solutions to match those changes.
We are service-oriented
We will be there for you every step of the way with a personalized, local touch.
Interactive Graphic
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what you love.
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 Owners Insurance 101
Make sure you cover the unique risks you face with business owners insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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Find even more interactive graphics for farm insurance, employee benefits, and home insurance.
Contact the Sholley Insurance Agency
As an independent agency, we are here to help you find the right coverage.
We are proud to serve clients throughout Central Pennsylvania, including Williamsport, PA, Mifflinburg, PA, Middleburg, PA, Northumberland, PA, Sunbury, PA, and beyond.
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