Business Insurance for Baltimore & Maryland Businesses

General Liability & Business Owners Policies

Plumbers, electricians, HVAC contractors, trades and service firms have unique contract, vehicle, equipment and employee exposures. Explore Maryland contractor insurance.

General liability can help protect a business from certain third-party bodily injury, property damage and related liability claims. For eligible businesses, a Business Owner's Policy (BOP) can package liability with commercial property and other protections in one policy, but the right structure depends on the operation, location, revenue and exposures.

• Premises, operations and other covered third-party liability exposures
• Business personal property and building coverage when applicable
• Business-income and extra-expense options after certain covered losses
• BOP eligibility, limits and endorsements based on industry and carrier

Commercial Auto Insurance

Read our detailed Maryland Commercial Auto Insurance guide →

For Maryland businesses, discuss owned vehicles as well as employee-owned or rented vehicles used for work. A personal policy may restrict delivery, hauling or other commercial use. Bring vehicle details, driver information and operating locations to your review.

Commercial auto insurance is designed for vehicles used in business and for liability arising from covered business driving. Vehicle ownership, driver history, radius of operation, type of work and how employees use vehicles can all affect what coverage is needed and which markets are available.

• Commercial auto liability
• Collision and comprehensive physical-damage coverage
• Hired and non-owned auto options for certain business exposures
• Driver, vehicle, garaging and use classifications that affect underwriting

Maryland Workers’ Compensation Insurance

Read our detailed Maryland Workers’ Compensation Insurance guide →

Workers' compensation helps address covered work-related injuries or illnesses and can satisfy employer obligations where the law requires coverage. Payroll, employee duties, class codes, subcontractor use and state rules all matter, which is why an accurate review is important before quoting.

• Medical benefits for covered workplace injuries
• Wage-replacement and disability benefits as provided by applicable law
• Employer's liability coverage
• Payroll, class-code, ownership and state-specific underwriting considerations

Professional Liability

Professional liability, often called errors and omissions (E&O), is designed for claims alleging that professional services, advice or mistakes caused a client financial harm. Coverage varies widely by profession, and details such as prior acts, retroactive dates, exclusions and claims-made reporting can be just as important as the limit.

• Errors, omissions and allegations tied to covered professional services
• Defense costs and policy limits subject to the contract
• Industry-specific underwriting and exclusions
• Claims-made, retroactive-date and prior-acts considerations where applicable

Cyber Insurance

Protect your business against evolving digital threats. Cyber Insurance can help cover expenses related to data breaches, ransomware attacks, cyber-related business interruptions, data recovery, and liability claims. Coverage varies by policy.

Ask us about Cyber Liability Insurance and Business Cyber Insurance options suited to your operations.

Bonds

Surety bonds are different from ordinary insurance: they generally guarantee that a business or professional will meet a specific contractual, licensing or legal obligation to another party. The bond amount, type, financial qualifications and project or licensing requirements determine what market and underwriting are needed.

• License and permit bonds
• Contract, performance or payment-bond conversations where available
• Bond amount and obligee requirements
• Underwriting and availability based on bond type, financials, market access and state