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Commercial Insurance in Maryland
At the SG Agency in Arnold, MD we know that as a business owner in Maryland you have a lot of things that can cause you to worry. Whether you are just starting your business or looking to update your current coverage, we have the experienced agents to help. Commercial insurance offers a lot of different types of protection. Depending on the size and nature of your business, we will make sure that you have the coverage you need to protect you against the types of losses you might suffer. We will also make sure that you follow Maryland laws.
Kinds of commercial insurance available:
- Commercial Automobile Insurance
- Property Insurance
- Liability Insurance
- Business Interruption Insurance
- Workers Compensation Insurance
Commercial Auto Insurance
All vehicles registered in the state of Maryland are required to carry basic liability insurance, uninsured/underinsured motorist and personal injury protection. Your insurance agent can tell you the required amounts and whether this is a type of policy that you should carry. Commercial auto insurance provides higher liability limits than personal auto coverage.
Property Insurance protects your business from losses due to damage to your building. If you don't own the building, then the property insurance will protect your property inside the building which can include:
- Business supplies
- Furniture and computers
- Machinery and equipment
Keep in mind that floods and earthquakes are not covered and will require additional policies.
If a claim is filed against your business for bodily injury or property damage, liability insurance will help pay for the legal costs as well as a judgment against you.
Business Interruption Insurance
This coverage will help to pay the bills in the event of a covered loss. It covers things like the utilities, payroll and general expenses of running the business.
Worker Compensation Insurance
If you have employees, in the state of Maryland you are required to have Workers Compensation Insurance. For more information about the type of Commercial Insurance that your business needs, contact the SG Agency in Arnold, MD.