Business Insurance in Maryland

Insurance for Governmental Subdivisions

Name: Insurance Brokers of Maryland, LLC
Address: 182 Thomas Johnson Dr Ste 202, Frederick, MD, 21702, USA
Telephone: +1 301-668-2233
Price range: Affordable
Rating: 5

Handle Public Funds With Care! Insurance for Your Political Subdivision

Responsible for Insurance Coverage for a Town, Borough, City, or County? We Can Help!

Cost-Effective Protection, from Workers Compensation to General Liability Insurance

Experience counts – especially when you need an independent insurance brokerage to help find the most reliable insurance coverage for your city, town, or other political subdivision – at the most economical rates.

Long before the turn of the 21st century, Insurance Brokers of Maryland was established to be a one-stop shop for full-service insurance policies for individuals, families, businesses, and – yes – even governmental agencies.

Of course, those insurance policies include single-coverage and group-coverage health insurance, individual and commercial auto insurance, homeowner’s insurance, whole and term life insurance, umbrella insurance, and all types of business insurance (builder’s risk, business interruption, general liability, etc.).

And our services also include finding excellent, reputable, and fiscally defensible insurance coverage to protect the interests of governmental subdivisions such as cities, towns, townships, boroughs, counties and other municipalities.

If you’re a town manager, county insurance commissioner, or otherwise responsible for the insurance coverage of a political subdivision pursuant to the protection of the municipality and its taxpayers, you can always count on the experience, the knowledge, and the independence of Insurance Brokers of Maryland.

Serving All the Self-Insurance Needs of Maryland’s Political Subdivisions

Not Captive to Any Insurance Company, We’ll Find the Best Coverage at the Lowest Cost

Insurance Brokers of Maryland will get your municipality set up with a set of insurance policies that’ll provide the protection your citizens need, at a premium they’ll approve of.

Here are some of the insurance coverages for political subdivisions that Insurance Brokers of Maryland will help you obtain:

Workers compensation
Group health coverage
General liability protection (also known as third-party insurance)
Errors and omissions insurance
Employment practices liability
Property insurance (to protect damage to property allegedly caused by a third party)
Cyber liability insurance (pursuant to losses caused by data breaches or cyber-attacks)

That’s not a complete list, but it’s indicative of the breadth of coverage you’ll need to put in place. There may be certain types of coverage for which your political subdivision could self-insure, but even a self-insurer needs to establish backup safeguards and alternative protections in the event that civil actions occur which could stake a monetary claim against the municipality or its administration.

So whichever sort of insurance coverage your municipality is required to carry under the provisions of the law, Insurance Brokers of Maryland is committed to helping you follow those laws and protect your citizens’ assets.

No Limits to Finding the Best Coverage on Behalf of Your Municipality

As an Independent Agency, We’ll Work Together to Mutually Agree to the Right Policies

Because our independent status permits us to survey all available coverage options and solicit competitive bidding, your agent will measure each self-insurance program relative to the other possibilities. Through this process, we’re able to parse through all potential policies to find the right policy for your municipality’s needs, as determined by an analysis of what the policy covers, how responsive the insurance carrier is to claims, and whether the protection warrants the outlay of such funds as provided by the taxpayers.

Our independence as an insurance brokerage and our ability to conduct competitive bids are major benefits for municipal clients in Maryland. It means that all the policies in your self-insurance pool are defensibly and reasonably the best policies to choose – and with Insurance Brokers of Maryland, you’ve got the numbers and the analysis to prove it.

Licensed To Sell Insurance Products Across Maryland

From the Western Mountains to the Eastern Shore, We Cover and Protect the Old Line State

It doesn’t matter where you are in the great State of Maryland. We help clients from Oakland to Ocean City and Easton to Westminster.

Hagerstown, Columbia, Aberdeen, Salisbury – we broker insurance coverage there, too.

Whether you’re responsible for the self-insurance program of the County of Baltimore or the City of Cumberland, Insurance Brokers of Maryland is the agency to call. We understand the unique needs that Maryland’s public servants must deal with when handling public funds, and our agents are trained in the special considerations required of insurance policies for governmental subdivisions.

So whether you represent a county in the mountainous west, an affluent suburb of Baltimore or Washington DC, or a quaint seaside town along the Chesapeake, the smart move is to secure insurance coverage through Insurance Brokers of Maryland, an independent insurance agency.

Let’s Find the Best Insurance Coverage at the Most Economical Rates

Contact Insurance Brokers of Maryland Today for a Free Consultation

We’re ready when you are. Together let’s determine the best way to purchase and maintain self-insurance programs that’ll protect the interests of your municipality while safeguarding the taxpayers’ investment.

Reach out for a convenient appointment – virtual or in-office:

Call 301-668-2233
Connect on Facebook @InsuranceBrokersOfMD
Send a message at InsuranceBrokersOfMD.com/contact
Visit one of our offices: 182 Thomas Johnson Drive, Suite 202, in Frederick MD, or 600 East Main Street in Emmitsburg MD

As a trusted public servant and a fiduciary for the taxpayers of your municipality, you are given a very serious – some might even say sacred – responsibility. It’s your job to ensure that your political subdivision procures the insurance coverage it needs at premiums acceptable to your overseers (the town council, regional council, mayor or commissioner, and/or the voters) . . . and you need to re-examine your insurance portfolio prior to the start of every fiscal cycle.

Insurance Brokers of Maryland is your partner in the search for the best insurance coverage for villages, towns, cities, counties, and other political subdivisions.

For Insurance for Governmental Subdivisions, Call Insurance Brokers of Maryland

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.