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Business Essentials: Protect What Matters Most
General Liability
Business Owner’s Policy (BOP)
Business Owner’s Policy (BOP)
Protects against everyday risks—bodily injury, property damage, and legal claims. A must-have for every business.
Business Owner’s Policy (BOP)
Business Owner’s Policy (BOP)
Business Owner’s Policy (BOP)
Combines General Liability and Property Insurance into one affordable package—ideal for small to mid-sized businesses and contractors.
Commercial Property
Business Owner’s Policy (BOP)
Workers’ Compensation
Covers buildings, equipment, and inventory against fire, theft, and other losses.
Workers’ Compensation
Workers’ Compensation
Workers’ Compensation
Required for most employers; protects your team if they’re injured on the job.
Commercial Auto
Workers’ Compensation
Commercial Auto
Coverage for business vehicles, fleets, or employees driving for work.
Protecting Your People and Practices
Professional Liability (E&O)
Employment Practices Liability (EPLI)
Employment Practices Liability (EPLI)
Protects your business if a client claims you made a mistake, gave bad advice, or didn’t deliver as promised. Essential coverage for consultants, contractors, and service providers who want peace of mind and professional protection.
Employment Practices Liability (EPLI)
Employment Practices Liability (EPLI)
Employment Practices Liability (EPLI)
Covers employee-related claims such as discrimination, harassment, or wrongful termination.
Nonprofit Directors & Officers (NPDO)
Employment Practices Liability (EPLI)
Nonprofit Directors & Officers (NPDO)
Protects board members and executives from personal liability if they’re sued over decisions made while managing the organization.
Essential Coverage for Maryland Businesses
Commercial Umbrella
Commercial Umbrella
Commercial Umbrella
Adds an extra layer of liability protection above your other policies.
Excess Liability
Commercial Umbrella
Commercial Umbrella
Provides even higher limits for businesses needing expanded protection.
Bonds / Surety
Commercial Umbrella
Bonds / Surety
License, permit, and performance bonds that ensure business compliance and contracts are fulfilled.
Coverage Options for Every Business
Cyber Liability
Cyber Liability
Cyber Liability
Protects against data breaches, ransomware, and cybercrime—a growing risk for all businesses.
Inland Marine
Cyber Liability
Cyber Liability
Covers tools, equipment, and property in transit or stored off-site.
Commercial Flood
Commercial Flood
Commercial Flood
Specialized protection for floods not covered by standard property policies.
Drone Insurance
Commercial Flood
Commercial Flood
Covers liability and physical damage for commercial drone operations.