A general liability policy covers the most common business risks, including customer property damage and injuries. Most commercial leases require this business liability insurance.
This policy, also called errors and omissions insurance (E&O), protects Maryland businesses that provide professional services. It covers lawsuits related to work performance.
A cyber liability insurance policy covers financial losses from data breaches and cyberattacks. It's recommended for Maryland businesses that handle credit cards and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Maryland business.
Workers’ comp insurance is required for Maryland businesses with one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Maryland. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Maryland, from Baltimore to Columbia.
This business insurance policy covers medical bills for work injuries and illnesses, and provides disability benefits to injured Maryland workers.
Maryland's minimum requirements for auto liability insurance are:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Maryland's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Maryland, insurance agencies, agents, and brokers are licensed by the Maryland Insurance Administration. Insureon is licensed in Maryland as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100040465).
Verify our licensure with the National Association of Insurance Commissioners: select Maryland, licensee, business entity, and then enter our NPN or license number.