Business Owners Insurance Maryland

Businesses can bundle property and liability coverage into a Business
Owners Insurance Policy that allows your business to obtain broad
coverage with affordable premiums. Business Owners Insurance is
usually the first step for small businesses looking to get basic property
and liability coverage and is a comprehensive and affordable insurance
package for small or medium sized businesses.

To qualify for Business Owners Insurance Policies, a
company should have 100 or fewer employees, and
annual revenues should be less than $1 million.
Maryland Business Owners Insurance will typically
provide reimbursement for up to a year of lost revenue
resulting from an insured property loss.

Some businesses may find Business Owners
Insurance coverage limits to be too low or may not
like the lack of flexibility on options like coinsurance.
However, what the Business Owners Insurance
Policy lacks in flexibility it usually makes up for with
lower premiums for your business.

Maryland Business Owners Insurance offers named
perils or all risk insurance coverage, similiar to general
property insurance coverages. Enhancement
endorsements are available at little or no cost to
extend coverage to your accounts receivable, valuable
papers, signs, employee dishonesty, mechanical
breakdown, computers including software, money and
securities, off premises power failure and spoilage of
food products, backup of sewers and drains.

While similiar to Commercial General Liability Insurance, the
liability part of a Business Owners Insurance Policy offers less
flexibility in determining your coverage limits for particular claims.
Optional limits of $300,000, $500,000 or $1,000,000 are available.
Personal injury, products liability, fire legal liability and premises
medical payments are included. Also, Maryland Business Owners
Insurance does not include professional liability insurance.

Business Interruption Insurance is usually included in Business
Owners Insurance Policies and covers lost income and expenses
incurred when a company suffers disaster related damage. Ongoing
operating expenses that continue even if business is suspended,
such as payroll, are also covered.

Click on the link below to fill out a quote request form for a Maryland
business owners insurance policy that regardless of whether you're
a small contractor, large employer or a small business owner, will
provide exceptional insurance coverage for your business at an
affordable cost. Or you can speak with our Maryland Business
Owners Insurance specialist at 410-385-0455 to discuss the policy
features in more detail.

We are a Baltimore, MD full service insurance agency, offering
comprehensive Maryland business owners insurance plan services to
businesses located in the following neighborhoods, cities and counties:
Federal Hill, Locust Point, Canton, Fells Point, Bolton Hill, Butchers Hill,
Dundalk, Essex, Baltimore Highlands, Lansdowne, Middle River, Rosedale,
Arundel Village, Brooklyn Park, Kenwood, Eastpoint, North Point, Chesaco
Park, Rossville, Halethorpe, Elkridge, Linthicum, Glen Burnie, Rippling Ridge,
Garland, Ferndale, Woodlawn Heights, South Gate, Severn, Catonsville,
Shipley, Arbutus, West Edmondale, High Point, Riviera Beach, Green Haven,
Orchard Beach, Lipins Corner, Ellicott City, Lochearn, Brighton, Woodmoor,
Rockdale, Lynne Acres, Pikesville, Randallstown, Owings Mills, Garrison,
Towson, Mays Chapel, Overlea, Parkville, Carney, Perry Hall, Elmwood,
Edgemere, North Point Village, Rodgers Forge, Ruxton, Linhigh, Fullerton,
Putty Hill, Baynesville, Lutherville-Timonium, Annapolis, Columbia, Hampton,
Providence, Montgomery County, Carroll County, Prince Georges County,
Howard County, Anne Arundel County, Harford County, and Baltimore
County, MD. We also offer Maryland business owners insurance services
throughout the Old Line State.