Business Owners Corner There are six broad areas of exposure for your business.
  1. Property
  2. Time Element
  3. Crime
  4. Automobile
  5. Liability
  6. Workers' Compensation

Not every business has exposure to all these areas. A business analysis will determine your exposure areas and will help define the amounts and types of coverage you need for your business. Some insurance is required, for example States require Workers' Compensation insurance if the business has employees. Some states may require bonds for contractors, and the Public Utilities Commission requires Commercial Automobile insurance.

Make sure you understand the common exposures and appropriate coverages for your business. Consider business property, crime, liability, commercial autos and anything areas of exposure unique to your industry or your specific business.

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Business Insurance in Bowie MD

Business insurance should be a necessary part of a business budget. When deciding on the right type of coverage, you must understand exactly what you need for your organization to be protected.

Whether you lease space for your business or own business property, you will need to look into what kind of business insurance you need. Business insurance can cover most every aspect of your business including office equipment, employees records, property and clients when they are on your business property.

Our agency will work you with to find the right type of coverage for your needs.

Business Property Insurance Protection

  • Fire & Lightning
  • Windstorm & Hail
  • Explosion
  • Sprinkler Leakage
  • Vandalism & Malicious Mischief
  • Smoke
  • Insure your business for liability expenses

Advertising & Personal Injury Insurance Protection

  • Bodily Injury/Property Damage
  • Products & Completed Operation
  • Medical Payments
  • Fire Legal Liability
  • Host Liquor Liability

Additional Insurance Coverage

  • Commercial Auto
  • Liability
  • Comprehensive
  • Collision
  • Medical payments
  • Hired auto
  • Non-Owned Auto
  • Uninsured/Underinsured
  • Personal Injury or No-Fault

Workers' Compensation Insurance provides coverage for your employees resulting from injury sustained while in your employment.

Commercial Umbrella Insurance provides coverage which raises the limits of your underlying policies to cover catastrophic losses. In some circumstances, it also provides broader coverage than the underlying policies.

For more information about our business insurance products and services, please email or call us for a quote now at 410-721-2461 or 301-262-8600.

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