Business Insurance
Understanding Business Insurance can be very complex. It involves several factors depending on the policyholder’s kind of business. Business Insurance covers a very broad aspect and entails different specifications based on client’s needs. At Insurance Brokers of Maryland, we do not expect our customers to know and understand Business Insurance policies, but we make sure that our clients get all the benefits they deserve once they purchase Business Insurance from us. Take note that liability, which is held against a certain business, could be astronomical, especially when business type is taken into consideration. In general Commercial and Business Insurance will protect you from theft, vandalism, general liabilities and injury, which may occur unexpectedly.
You do not want to end up experiencing financial burden when unexpected events, accidents and claims happen, so be prepared. It is wise to investigate and identify your concerns that may arise to reduce potential risks before pursuing your Business Insurance policy. Insurance Brokers of Maryland has relationships with over 45 reputable insurance firms; this gives us the opportunity to offer you the highest quality coverage that suits your business needs. No one knows your business better than you do; we customize our insurance policies to meet your needs and expectations. Talk to us and get the most competitive rates available.
Why Commercial or Business Insurance?
Many businesses are started by hard working entrepreneurs who invest their time and money to create something greater than themselves. This kind of investment requires protection to ensure its success throughout the generations. Unexpected events happen. The right business insurance reduces their impact and covers all you’ve worked to build.
What Does Maryland Business Insurance Cover?
Business and commercial insurance protects you from property damage, theft, injury, and other liabilities. Here at Insurance Brokers of Maryland we have access to over 45 insurance companies. We educate you about business insurance so you don’t have to worry about an unexpected event bringing your business to a screeching halt. You may need a commercial property policy, business auto insurance, or a business owners policy.
Contact us today and schedule an appointment with one of our experienced agents. Whether you’re a small, mid-size, or large business in Carroll, Frederick, or Washington County, Insurance Brokers of Maryland is the perfect place to one-stop shop for your best business or commercial policy.
BUSINESS INSURANCE POLICY EXPERTISE
Builders Risk Insurance
When building a building, make sure that you’re protecting more than the people and the property, but the actual building itself while it is in the construction phase.
Business Owners Package Insurance
The full suite of necessary business insurance lines can be conveniently handled in a single BOP package, protecting the liability of your company’s property and vehicles.
Business Interruption Insurance
If a loss from theft, storm, accident or vandalism of property causes your business to be out of commission, threatening your business’s livelihood, you’ll be glad you have interruption protection.
Commercial Auto Insurance
Cover each of your company’s cars just like you would cover your own, and protect against risk to one of your company’s major investments.
Commercial Trucking Insurance
Taking goods from one place to another requires mitigating the risks to both the goods and the trucks hauling them.
Commercial Umbrella Insurance
Beyond what a standard business liability policy offers, an umbrella policy grants you even more protection for a true peace-of-mind feeling.
Contractor’s General Liability Insurance
Contractors, builders, construction managers, design/build professionals and owners of construction projects, whether public or private, commercial or residential, are all in need of general liability protection if something were to happen to persons or property.
Employment Practices Liability Insurance
If any of your employees sues your company as a result of your company’s business conduct, you are protected by this pragmatic form of insurance.
General Liability Insurance
Since anything can happen (and it usually does), a policy which pays in the event of a wide variety of occurrences is an absolute imperative for your business.
Hotel / Motel Insurance
As a hotelier, you encounter issues and possibilities unseen in any other industry – so you need a policy providing unique coverages to match.
Liquor Liability Insurance
Alcohol can lead directly to accidents, and if you supply, sell or make the alcohol in question, you could be liable for those accidents.
Medical Malpractice Insurance
Despite the best intentions, sometimes doctors and other medical professionals get sued by their patients – so having adequate malpractice protection is indispensable.
Product Liability Insurance
If a product is made or sold by your company and it causes harm to another’s property or person, the value of this insurance line is made clear.
Restaurant & Bar Insurance
The food service industry is tough enough, with the kinds of problems rare if ever seen in any other industry. Appropriately tailored insurance is a must for any restauranteur.
Special Event Insurance
Hosting a party, a concert, a convention? A special event implies special needs that can only be protected by this form of insurance.
Surety Bonds
Guarantee that a contract is executed on time and in the agreed-upon manner with a bond intended to secure the contract.
Technology Insurance
Meant for companies that deal in technology, this insurance helps you recoup losses which affect your ability to deal in that technology.
Wholesalers and Distributors Insurance
For companies in the business of wholesaling and distributing goods, a set of challenges particular to your industry means a type of insurance designed for you.
Workers’ Compensation Insurance
Replace the wages of your employees injured on the job while providing them with invaluable funds toward medical expenses.
Defense Base Act Insurance
DBA Insurance is a type of Workers’ Compensation insurance to protect employees, employers, independent contractors and others from damages due to injury, accidents, etc. on the job.
Insurance for Governmental Subdivisions
There’s much to be analyzed when considering a municipality’s insurance needs. Are there special events to be covered? Does the municipality make use of volunteers? How could your school board or your water authority be held liable?
Insurance for Non-Profits
Protect your Non-Profit organization from unexpected liabilities.
Insurance for Social Services
A social services organization has similar risk-mitigation and protection requirements as any other business entity, but more of them.
