If you own a warehouse in the Washington D.C. area, you’re not just responsible for damages to the warehouse. You are also responsible for the items that your customers store in your warehouse. It just takes one unforeseen emergency to go bankrupt, so it is important to protect your business from risk with the right type of insurance. The following types of commercial insurance can protect you and your customers from loss in the event of a disaster that impacts your warehouse.

General Liability Insurance

Warehouses can be hazardous work environments that pose risks to you and your employees. General liability insurance steps in if an employee is injured in your warehouse and covers their medical and related expenses. General liability insurance can also kick in to protect you from legal liability should an injured employee sue you for an accident incurred on your property.

Legal Liability Insurance

A warehouse legal liability policy consists of a special form of coverage that reimburses your customers for loss. If your warehouse has been negligent in anyway, and it results in the damage of your customer’s property, legal liability coverage will kick in to pay your customers. Legal liability is crucial for warehouse operators because it protects you from legal actions if you are unable to reimburse a customer for his or her goods.

Contact an Independent Agent

Every business is unique, so you may need additional riders to adequately cover your business. The level of coverage you need will also depend on the location, size and scope of your business. An independent agent can help you compare premiums from several insurance companies so that you can find the best value on commercial insurance. Contact us today to speak to an independent agent who can help you get your warehouse covered.

Before you start a boutique in Laurel, Maryland, it is important to protect your business with commercial insurance. If you leave your business uninsured, you can incur burdensome costs that lead to bankruptcy. While every business is unique, you will usually need to mix and match several different types of coverage to receive adequate protection for your start-up retail operation.

Liability Insurance

If an employee or a customer is injured in your store, you may be sued and found legally liable for the accident. Legal expenses can add up fast, so it’s important to protect your business from potential lawsuits. Liability insurance affords protection by covering your legal expenses in the event that your business is sued.

Commercial Property Insurance

The most valuable items in your business will likely be stored inside of your boutique. Commercial insurance is a must because it protects the building you conduct business in and your inventory. Commercial property insurance kicks in when flooding, fires, or other types of hazards cause damage to your business.

Theft Insurance

Retailers can especially benefit from adding theft coverage to their insurance policy. If you have a retail operation, shoplifting is inevitable. Your store will have merchandise that looks good to paying customers and shoplifters alike. Prevent thefts from eating into your profits with this crucial form of coverage.

Contact an Independent Agent

The types of insurance that you will need will depend on the size and scope of your business. An independent agent can walk you through the process of selecting the right level of coverage for your start-up boutique. We can also help you compare policies between different insurance companies so that you can receive the best premiums. Contact us today to speak with an independent insurance agent about your business insurance options.

When you live in Maryland and want to open a business, one of the things you want to be sure about is your commercial insurance coverage options. We can help you with that. As an independent agent, we work with a lot of different companies. That lets us compare prices and show you different policy options. Price matters, of course, but there’s more to the issue of insuring your business than just how much it costs. You also have to focus on the value that you’re getting for the money, and you need to make sure the coverage you’re getting is right for you.

When you open a business in or around Laurel, the type of business you’re getting into will affect what policy you need. Some home-based businesses, for example, don’t really need anything beyond the regular homeowners insurance. Other businesses that are operated in a person’s home will need a business policy because of customer liability. All businesses that are not run from home have to have commercial policies that protect the business from liability and that also protect the building if the company owner also owns that building. Many businesses rent their spaces, though, and don’t need to insure the structure itself.

Liability is the most important part of business insurance. If someone is injured by your product, or if a person is hurt on your property, you’ll have to make sure your insurance will pay for the damages. You could still be sued, but having good insurance is one of the best ways to avoid lawsuits and to avoid the loss of your business through financial problems. You can’t plan for everything when you own and run a business, but by talking to an independent agent like us you can focus on protecting yourself from many of the financial problems that come from a lack of insurance coverage.

If you need commercial insurance coverage, you may feel confused about what you should get and what kind of limits your policy should have. If you’re in Laurel, Maryland, come see us and let us help you get your insurance needs met. As an independent agent, we can work with many different types of companies so you get the best rates and the most coverage for your money. Commercial insurance isn’t the same as residential coverage, and your policy will have different limits and exclusions. When you work with an independent agent like us, you can have peace of mind that we’ve got you covered the right way, with the right limits.

While you want to be sure you have enough insurance coverage, you also don’t want to overpay for coverage you really don’t need and won’t use. Overpaying is common when consumers need commercial insurance, because they often aren’t sure what to get and how much it should cost them. That’s true for insurance on their buildings, and also for coverage on the autos they use in that business.

No matter what kind of business you operate, we understand your desire for good insurance coverage at a low price. We want to help you find the best policy for your company, so you can have peace of mind. We’ll help you with the level of insurance you need, how much you want (and can afford) to pay, and what to do if you need to make a claim. While you can’t always prevent an accident, a fire, or another problem, you can prevent financial ruin by making sure you’re covered properly. Don’t just pick a company and choose a policy. Work with us to make sure that your business has what it needs to feel protected and safe.

As a person seeking commercial insurance coverage in the Laurel area of Maryland, it is truly vital that you have access to the proper information on current minimum insurance requirements for commercial vehicles in this area. If you are driving a business owned car or truck you’ll need commercial insurance, especially if the vehicle ever does any deliveries.

At the current time, the state of Maryland requires you to have $20,000 in bodily injury coverage, which would apply if one person is injured or dies in an accident. You’re required to also have $40,000 in bodily injury coverage, which would apply in cases where more than one person is hurt or killed in an accident caused by you. Additionally, you will be required to have $15,000 in property damage coverage.

The state of Maryland also requires you to have uninsured motorist coverage with the same 20,000/40,000/15,000 limits discussed above. Finally, you must have personal injury protection of $2,500. Personal injury protection will help cover you if you were to get into an accident and need medical treatment such as seeing doctors or chiropractors.

The limits we have outlined in this article are the minimums that you will need to legally drive a commercial vehicle in Maryland. Driving with only the minimum amount of coverage is only advisable for certain groups of people, so it is very important that you and your independent agent discuss exactly how much coverage is truly necessary for your situation.

When you contact your independent agent about getting a commercial policy, be sure to tell him how many vehicles you’ll need to insure, what type of vehicles they are, who will be behind the wheel of the insured vehicles, and who is the legal owner of the vehicles. Make sure to give as much detail as you can, because this policy will help you stay legal and may even really be a financial lifesaver one day!

Commercial auto insurance is a must-have for any business owner. In Laurel, MD, it is a good idea to contact an agent and discuss your specific needs. Without coverage, your business, and potentially your personal financial situation, could be on the line if something happens to your vehicle or one of your employees. However, selecting the right coverage is just as important.

The Benefits You Need to Know

Getting commercial auto insurance in Maryland is critical. With the help of an independent agent, you can select the right policy for your needs. Keep in mind that having personal insurance coverage on a commercial vehicle is also not good enough. Here’s why you need it.

• If you are driving the vehicle and are involved in a car accident, your business could be held liable for the costs. In serious cases, this could lead to financial strain and significant lawsuits.
• If an employee is driving one of your vehicles and is involved in an accident while on the clock, that employee’s medical bills, not to mention any damage, could be your responsibility if you do not have insurance.
• Even if no one else is involved in the situation, an accident can leave you without a vehicle to use to operate your business. That in itself is too big of a risk for many business owners.
• Keep in mind, having commercial auto insurance, especially liability and damage protection is a legal requirement.

Getting auto coverage for your business is easy to do. Contact an independent agent so you can avoid any potential risks you face. Loss, liability and expensive accidents happen every day. It can even be an affordable option for most business owners and potentially a tax write-off for your business.