If you don’t have good, robust commercial property insurance in Maryland, you’re putting your business at unnecessary risk.  Don’t have a policy yet?  We can help with that.  Do you have one, but it’s been a while since you last reviewed your coverage?  We can help with that too!

The simple truth is that as your business grows and changes over time, your insurance needs grow and change with it.  Broadly speaking, commercial property insurance in Maryland comes in three flavors:

  • BOP (Business Owner Policies) – These are typically only offered to smaller businesses, or companies in industries that are regarded as being low-risk
  • “All Risk” Policies – These tend to be more expensive, but cover a wide range of possible perils (basically, everything that’s not specifically excluded in the language of the policy)
  • And Peril-Specific Policies – These are “a la carte” policies where you can pick and choose specific threats you want to cover.  They’re more cost effective than their “All-Risk” cousins, but have the downside that if you guess incorrectly and don’t cover a threat, and then wind up facing that threat, the policy offers no protection whatsoever.

So which flavor of commercial property insurance in Maryland is right for you?

The answer is, “it depends.”  Every business owner’s needs are different, and although any well-constructed policy will cover a variety of threats, there are no cookie cutter solutions.

If you’re not sure exactly how to proceed, we can help.  As the region’s top rated independent insurance agency, we’ve got the skills, experience, and contacts to ensure that you get the right commercial property insurance policy in Maryland for you.

Unlike many other agencies, which are tied to a specific company, we maintain relationships with several.  As such, after sitting down with you and gaining an understanding of your business needs, we can shop around on your behalf.

Policy rates and coverage particulars can vary widely from one company to the next, and by collecting a range of quotes for you, we can work with you to evaluate them until we zero in on exactly the policy you need, at a price you can afford.

We do a lot more than just handle business insurance needs though.  If it’s been a while since you reviewed your personal insurance coverages, we can help there as well, and if you maintain a stock portfolio, we offer portfolio management services that give you one less thing to worry about.

The bottom line is, you’ve worked hard to build your business, and it’s a creation worthy of protection.

We can help ensure that your business is protected against potential threats which will help you not just survive in the long term, but thrive.  Give us a call today and let’s get started.