LION INSURANCE GROUP · MARYLAND SMALL BUSINESS
Get an Instant Business Insurance Quote in Maryland
Explore small business insurance online in Maryland through our ERGO NEXT quote link. Understand your coverage choices, prepare your information and choose the support that fits your business.
Opens ERGO NEXT’s external platform in a new tab. Lion Insurance Group may receive compensation if you purchase coverage through this link. Eligibility and underwriting apply. A quote is not coverage.
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Business Insurance Made Simple
Lion Insurance Group is a Baltimore-based independent insurance agency helping Maryland business owners explore commercial coverage. Whether you run a neighborhood shop or travel between client job sites, understanding your exposures is a useful first step toward a Baltimore business insurance quote.
Eligible businesses can start an online quote through ERGO NEXT Insurance’s online platform. This guide explains coverage choices, information to prepare and when a conversation with Lion may help.
About online quotes
Quote buttons open ERGO NEXT’s external online quoting platform in a new tab. Quotes and purchases are handled through ERGO NEXT. For policy service, contact the provider identified in your policy documents.
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Insurance Coverages Available to Explore
Use these examples to identify questions for your quote, rather than as promises of a claim payment. Each policy has its own definitions, limits, deductibles, conditions and exclusions.
General Liability Insurance
A customer slips on a wet floor in your shop, or your work accidentally damages a client’s property. General liability can help address covered third-party bodily injury, property damage and certain personal and advertising injury claims. It generally does not cover employee injuries or professional mistakes.
Explore Maryland general liability insuranceBusiness Owners Policy (BOP)
A covered fire damages a retailer’s inventory and interrupts operations. An eligible BOP combines general liability with commercial property and often business income protection. Covered causes of loss, waiting periods and limits matter; a BOP does not include every business risk.
Understand Maryland BOP coverageWorkers’ Compensation Insurance
An employee is injured while lifting supplies at work. Workers’ compensation can provide benefits for covered work-related injuries or illnesses, including eligible medical care and wage benefits. Maryland employer obligations depend on applicable law and the actual worker arrangement.
Review Maryland workers’ compensationProfessional Liability / Errors & Omissions
A consultant’s client alleges that an error in advice caused a financial loss. Professional liability may address covered allegations related to professional services. Review the covered services, exclusions, reporting rules and any retroactive date.
Read about professional liabilityCommercial Property Insurance
A covered fire or theft damages insured equipment, inventory or premises. Commercial property can protect eligible buildings and business personal property under the policy’s terms. Flood, wear and tear, and property away from the insured location need separate attention.
Review property coverage considerationsTools & Equipment Insurance
A landscaper moves equipment from a storage location to several job sites. Tools and equipment coverage, often written as inland marine, may protect eligible mobile items against covered losses. Check scheduled items, valuation, transit protection and theft conditions rather than assuming a property policy follows every tool.
Explore contractor coverage needsOther eligible commercial coverage
Your business may have exposures involving vehicles, digital data or contractual requirements. Other commercial products may be worth discussing, but they are not necessarily offered through ERGO NEXT’s platform. Review available markets and each policy’s scope before choosing a combination.
Explore Lion’s commercial insurance overviewProduct availability varies by business type, location, state, eligibility and underwriting. The platform determines which quote options, if any, are available for your business.
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Who Can Request an Online Quote?
Maryland small businesses with straightforward coverage needs may find a digital quote a useful starting point. Business categories to explore include:
- Contractors and tradespeople: describe your trade, job types, subcontractors and work locations.
- Cleaning businesses: distinguish residential work from commercial or specialized cleaning.
- Retail stores: identify inventory, customer foot traffic and any online sales.
- Consultants and professional service providers: explain the advice or services clients pay you to deliver.
- Landscaping and property service businesses: list equipment and the specific work performed.
- Beauty and personal care businesses: describe treatments, premises and who performs the services.
- Other eligible Maryland small businesses: enter your actual operations to explore any available options.
No industry listed here is guaranteed eligibility or coverage. Specialized work, multiple operations, larger payrolls or unusual contract requirements may need a more detailed review. If the platform does not fit your needs, contact Lion to discuss other available markets.
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How Online Business Insurance Quoting Works
Click the instant quote button
Use a quote button on this page to open ERGO NEXT’s online quoting platform.
Continue to ERGO NEXT’s secure platform
A new tab opens an external quoting experience. Review the platform’s privacy information before entering business details.
Enter your business information and coverage needs
Describe your operations accurately, including employees, revenue and work locations where requested.
Review any available quote options and policy details
Compare coverage forms, limits, exclusions, deductibles, effective dates and total payment terms. A lower premium alone does not establish that a policy fits your contracts or risks.
Complete remaining steps directly through ERGO NEXT
Follow any additional application, underwriting or purchase instructions provided there.
A quote request does not automatically create insurance coverage. Do not begin work or represent yourself as insured based only on a quote. Confirm policy issuance and the effective date with the applicable insurer or authorized provider.
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Online Quotes or Personal Assistance?
Online quote
For business owners who prefer a digital experience and are comfortable entering information and reviewing policy options themselves. Use ERGO NEXT’s platform for questions about its quote, purchase process or any policy obtained there.
Get an Instant Business QuoteLion Insurance Group may receive compensation if you purchase coverage through this link.
Personal assistance
For owners who want to speak with Lion about coverage needs, policy questions or options through other available markets. Bring lease requirements, contracts or your current policy to help focus the conversation. This discussion does not establish Lion’s servicing authority for an ERGO NEXT policy.
Speak With Lion Insurance GroupOr call 410-500-3322, email lion@getlioninsurance.com or visit our contact page.
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Before You Request a Quote
Having these details ready can reduce interruptions and help you describe your business consistently. Provide estimates only where allowed, and check that they reflect your actual operations.
- Business legal name and address
- Business activities and industry
- Years in operation
- Estimated annual revenue
- Employee count and payroll where relevant
- Current insurance information
- Desired coverage and limits
- Prior claims information where requested
Keep any customer contract or lease insurance requirements nearby. Check whether it asks for specific limits, additional insured status or other endorsements; a certificate alone does not add those protections.
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Frequently Asked Questions
Can I get business insurance online in Maryland?
Eligible Maryland businesses can explore quotes online through ERGO NEXT’s platform using Lion’s quote link. Availability depends on your operations, location, requested products and underwriting. An online application may require additional review.
What insurance does a small business need?
Start with the risks your work creates: injury to others, damage to property, professional advice, employees, vehicles and equipment. General liability or a BOP may be useful starting points. Legal, lease and customer contract requirements can call for additional coverage, and no single policy covers everything.
What is the difference between general liability and a BOP?
General liability focuses on covered third-party injury, property damage and specified liability claims. A Business Owners Policy bundles eligible liability and commercial property coverage and often business income protection. Workers’ compensation and commercial auto generally need separate arrangements.
Can contractors get business insurance online?
Some eligible contractors may be able to request quotes online. Describe the specific trade, work performed, subcontractors and job locations accurately. Hazardous activities or specialized contracts may need further review; listing contractors here does not guarantee acceptance.
Can I request workers’ compensation insurance online?
You can explore an online workers’ compensation insurance quote where the platform offers it for your business. Be ready with employee duties, work locations and payroll. Eligibility and underwriting apply, and requesting a quote does not satisfy any obligation to carry coverage.
Is an online insurance quote the same as having coverage?
No. A quote is an indication of proposed coverage and pricing, subject to its terms and any remaining requirements. Coverage depends on completing the required steps and receiving confirmation from the applicable insurer or authorized provider, including the policy’s effective date.
How do I obtain a certificate of insurance?
For a policy purchased through ERGO NEXT’s platform, follow its instructions or contact the servicing provider to request proof of insurance. Availability and processing depend on policy status and provider procedures. A certificate summarizes insurance; it does not change coverage or automatically meet every contract requirement.
Can I speak with Lion instead of using the online quote system?
Yes. Call 410-500-3322, email lion@getlioninsurance.com or use the Schedule a Call link to speak with Lion about your needs and other available markets. Questions about servicing a policy purchased through ERGO NEXT should go to the provider identified in those policy documents.
TAKE THE NEXT STEP
Ready to explore an online quote?
Use the ERGO NEXT online platform to review options for your eligible business, or connect with Lion for a coverage conversation.
Insurance should be simple. Let's keep it that way.
Lion Insurance Group may receive compensation if you purchase coverage through this link. Quotes and purchases are handled through ERGO NEXT’s external platform. Products and quotes depend on business type, location, state, eligibility and underwriting. Coverage is governed by the actual policy and is not effective merely because you requested a quote.