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Home > Small Business Insurance | Maryland

Small Business Insurance in Westminster, Frederick, Columbia and Baltimore, Maryland and Washington DC


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

Small Business Insurance Information

There are many costs associated with running a small business, and business insurance can help protect your company from certain unexpected expenses. Without the proper insurance, a natural disaster, accident, or lawsuit could create severe financial problems for your small business. 

The agents at Saratoga Insurance Brokers in Westminster, Maryland, are ready to help you get the coverage you need to help protect your business. 

Are Small Businesses Required To Have Insurance? 

When you choose to form a corporation or limited liability company (LLC), you automatically have protection from lawsuits that may affect your personal property. Business insurance can help you protect your business assets and personal assets from unexpected events. 

In some cases, you may be required to carry specific business insurance policies. For example, in Maryland, you must have a minimum amount of commercial auto liability insurance, uninsured/underinsured motorist coverage, and personal injury protection (PIP) if you use vehicles in your day-to-day business operations. 

Small Business Insurance Options 

Depending on your company’s unique needs and concerns, your agent may also recommend the following small business insurance policies: 

  • General liability insurance: This policy may provide coverage if your company is legally responsible for another person’s bodily injury, advertising injuries, or third-party property damage.
  • Commercial property insurance: This coverage may help replace or repair property owned by your company, including equipment, buildings, or inventory damaged by events such as burglaries, fires, or other named perils.
  • Errors and omissions (E&O) insurance: This policy helps pay for damages if one of your clients or customers claims they were harmed due to inadequate work or negligence. 
  • Business income insurance: If you must temporarily close your business after a covered event, business income insurance helps replace lost revenue to pay your company’s bills until you reopen. 

Your agent may also recommend other coverages to address specific issues, such as cyber liability insurance, home-based business insurance or professional liability insurance.  You may be eligible to purchase a business owner’s policy (BOP)  that combines several coverages into one bundle. 

Get the Small Business Insurance Coverage You Need 

Talk with the agents at Saratoga Insurance Brokers today to learn more about your options for small business insurance. Call them at 410-781-6396 or visit the Saratoga Insurance Brokers website to get a personalized quote. 

 

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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