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Home > Business Insurance | Maryland | Saratoga Insurance Brokers

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Builders Risk
Business Owners (BOP) Quote Form
Commercial Auto Insurance Quote
Commercial Auto Quote Form
General Liability Quote Form
Workers Compensation Quote

Business & Commercial Insurance Information

Building a business is a great enterprise, but it’s not for the faint of heart. If you are striking out to make a name for your business, you will need the right insurance policy to protect your hard work.

At Saratoga Insurance Brokers, we don’t just hand you a policy and disappear. We are here every step of the way to build a genuine relationship based on trust and success. Our experienced insurance agents will help you compare quotes and find a policy tailored for your business’ needs.

What Does Business Insurance Cover?

There are several types of business insurance geared both for general risks and specific industry lawsuits. Some of the general coverages we offer for businesses include:

Liability Coverage

General liability is one of the main types of liability insurance options available for businesses. Liability insurance generally protects businesses from lawsuits regarding accidents on the property or involving the business’ operations. General liability specifically covers claims against the business involving bodily injury, property damage and personal and advertising injury. For example, if someone is injured in your shop, general liability insurance can help pay for the victim’s medical bills as well as the business’ legal fees in case the accident turns into a lawsuit.

Additional liability insurance options include:

  • Umbrella Liability: This fills in the gaps left by your other liability insurance policies. For example, if your general liability policy reaches its limit for a single claim, umbrella liability insurance will step in to cover the remaining costs.
  • Products Liability: This may cover bodily injury or property damage one of your business’ products may cause someone else.
  • Liquor Liability: This insurance is required for businesses that intend to make, sell or serve alcohol. Liquor liability insurance covers the business in the event a patron who purchases alcohol from the business causes bodily injury or property damage to someone else. If one of your patrons leaves after drinking and gets into an altercation, for example, your business could face expenses for any damage they cause.
  • Professional Liability: This covers professional negligence that may cause a client to lose money.

Commercial Property Coverage

Types of commercial property insurance are designed to cover the physical assets of your business. Basic commercial property insurance covers the business’ physical location and its contents in the event of damage or loss due to fire, wind, hail, lightning, smoke, theft or vandalism.

Another type of commercial property is Commercial Auto Insurance. Commercial auto insurance covers the vehicles used or owned by your business. These policies come with a range of coverages, including comprehensive coverage, collision coverage, liability, medical payments coverage and uninsured/underinsured motorist.

Workers Compensation Coverage

Workers compensation is an insurance policy required for most businesses, although laws vary between states and industries. This insurance is crucial for protecting your business and your employees, as it covers expenses related with workplace accidents.

If one of your employees is hurt on the job, workers compensation can assist with their medical bills, disability benefits, wage replacement and, in extreme cases, death benefits. Workers compensation also works to protect your business in the event of a lawsuit concerning a workplace injury.

Protect Your Business Today

A business is proof of hard work and dedication. Protect that hard work with a business insurance policy through Saratoga Insurance Brokers today. Call us at (410) 781-6396 or fill out an online quote form to get started.

Common Business Insurance Questions

How Does Business Insurance Work?

As with other insurance policies, a business owner may pay monthly premiums in return for coverage. So long as a business insurance policy is active, you may file a claim in return for compensation after an accident or lawsuit.

When Should I Get Business Insurance?

Ideally, business owners should purchase a business insurance policy before beginning operation. It is important to have a policy in place from the very beginning to prevent possible monetary losses.

Do I Need A Business License To Get Business Insurance?

You may need a license to purchase business insurance. But in many cases, it is the other way around. Certain industries and professions require individuals to purchase business insurance in order to qualify for certain licenses or to operate legally.

What Insurance Do I Need For A Small Business?

Small businesses typically purchase business owners policies, which combine general liability and commercial property insurance into a single, flexible policy. You may have other specific insurance needs depending on your industry, however, so be sure to speak with an agent from Saratoga Insurance Brokers about your insurance needs.

Insure your needs today!
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Location 532 Baltimore Blvd, Suite 306
Westminster, MD 21157

Phone: 410-781-6396
Fax: 410-781-4660
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