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Practical Insurance for Every Maryland Industry

Protecting a business shouldn't be a complicated process. Whether you are running a local storefront, managing a professional office, or overseeing a large-scale operation, having the right coverage is what allows you to move forward with confidence.

From property and liability to workers' comp and fleet insurance, the goal is to provide practical solutions for the diverse range of industries that make Maryland work.

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Local Insight, National Reach

Deeply rooted in Maryland, our team understands the regional regulatory environment and the specific needs of local industries. This provides the resources and strength of a large national firm combined with the personalized service of a neighborhood partner.

What Does Your Business Need?

Protection That Fits Your Industry

Own a Small Business?

Running a small business comes with big responsibilities—and unexpected risks. We offer tailored commercial insurance solutions to help safeguard your operations, employees, and assets. From general liability to property coverage, we’ll work with you to find protection that fits your business and your budget.

Does my Maryland business have to be insured?

In Maryland, the legal requirements for insuring your business are focused on protecting employees and the public:

  • Workers’ Compensation: With very few exceptions, every employer with one or more employees (full-time or part-time) is required to carry workers’ compensation insurance. This protects both the worker and the business in the event of a job-related injury or illness.
  • Commercial Auto Insurance: Any vehicle registered to or used primarily for the business must carry commercial auto insurance. Maryland law requires minimum liability limits of 30/60/15 ($30,000 per person, $60,000 per accident for bodily injury, and $15,000 for property damage).
  • Unemployment & Disability: Maryland businesses are required to contribute to the state’s unemployment insurance fund. While Maryland does not mandate private short-term disability insurance (unlike some neighboring states), many businesses choose to provide it as a benefit.

 

What does business insurance cover?

Business insurance typically helps protect your company from financial losses caused by unexpected events. Common coverage includes property damage, liability claims, and loss of business income due to interruptions. Many businesses choose a comprehensive policy that combines multiple protections tailored to their specific risks.

How much does insurance for my business cost?

The cost of business insurance varies because every company faces different risks. Factors that influence your premium include your location, type of business, property value, number of employees, and coverage limits. Since no two businesses are alike, reach out to us for a personalized quote based on your businesses' unique needs.

What are the auto insurance requirements for Maryland commercial vehicles?

Maryland law requires all commercial vehicles to carry minimum liability limits of 25/50/25 ($25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage). However, for businesses transporting goods or operating larger fleets, significantly higher limits are often recommended to meet federal regulations and provide adequate protection.

Does business insurance include cyber risks?

Yes, it can. Many commercial insurance policies can include cyber liability coverage, which helps protect your business from losses caused by data breaches, cyberattacks, and other digital threats.

This coverage often includes costs related to notifying affected customers, restoring compromised data, and managing legal or regulatory requirements after an incident. If your business relies on technology or stores sensitive information, adding cyber coverage is an important way to reduce risk.

Do small businesses need commercial insurance?

Yes, most small businesses benefit from commercial insurance because it helps protect against financial losses from unexpected events like property damage, liability claims, or business interruptions.

Even if your business is home-based or has few employees, you may still face risks such as customer injuries, lawsuits, or cyber threats. In many cases, certain coverages—like workers’ compensation or commercial auto—are required by law. Having the right policy can help keep your business compliant and financially secure.

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Risk. Grow. Thrive.