General Liability Insurance Maryland

Safeguard Your Dreams with our Services

Comprehensive coverage options tailored to your business unique needs and budget.

Get a Free Quote Now
general liability insurance virginia

What Is General Liability Insurance?

As long as you have a business dealing with customers, vendors or employees, General Liability Insurance is a must-have protection. You never know when you need protection from financial losses due to lawsuits, accidents and unexpected incidents that could happen in your daily operations

Who Needs General Liability Insurance?

As mentionned above, GLI provides basic coverage every business needs to protect themselves in order to achieve success. It takes many different forms that can be tweaked based on your business needs and how you interact with the public. We cover small businesses across many industries, including contractors, offices, retail stores and shops, rental property and more…


Here are a few of the coverages you may need:

  • Construction and Remodelling Companies: Given the physical nature of their work and the risks associated with construction sites, these businesses face significant liability exposures.

  • Landscaping Services: Landscapers work on client properties and use equipment that could potentially cause injury or property damage, making liability insurance crucial.

  • Housekeeping and Cleaning Services: These services operate within clients’ homes and businesses, where accidents, such as damage to property or personal injury, can occur.

  • Retail Stores: Physical interaction with customers and the public space operations of retail stores necessitate protection against potential claims from accidents on the premises.

  • Grocery Stores: High customer foot traffic and the handling of food products increase the risk of accidents and related liabilities.Virginia General Liability Insurance

This coverage is not exclusive to these examples; virtually any business that interacts with the public, provides services on client properties, or engages in activities with potential for third-party claims should consider Maryland General Liability Insurance. It provides a critical layer of financial protection GLI is helping businesses manage risks and focus on growth and operations without the looming worry of potential liability claims.

Ready to assess your business specific risks?

Contact us for a personalized insurance review.

get your quoute

Common Coverage Types for Small Businesses

General Liability Insurance in Maryland provides broad protection for businesses against a range of common liabilities. Understanding the specifics of what this insurance covers is crucial for businesses to ensure they are adequately protected.

Here are the key aspects of coverage provided by General Liability Insurance:

Bodily Injury Liability:

Covers costs associated with injuries to third parties that occur on your business premises or as a result of your business operations. This can include medical expenses, legal fees, and settlements.

Property Damage Liability:

Provides coverage for damages your business causes to someone else’s property. Whether it’s accidental damage during a service call or a mishap at your place of business, this coverage helps manage the financial implications.

Personal and Advertising Injury:

Protects your business against claims of slander, libel, copyright infringement, or wrongful eviction that occur in the course of advertisements or personal interactions.

Legal Defense and Judgments:

Offers coverage for legal expenses arising from lawsuits related to covered claims, including attorney fees, court costs, and any settlements or judgments.

Medical Payments:

This coverage can help cover medical expenses if someone is injured on your business premises or as a result of your operations, regardless of who is at fault.

Product Liability:

If your product or service causes harm to a customer, this helps cover legal claims.

What’s NOT Covered?

While GLI covers many business risks, it does NOT cover:

Employee Injuries – You need Workers’ Compensation Insurance for that.
Professional Errors – If you offer consulting, medical, or legal services, you need Professional Liability Insurance (Errors & Omissions Insurance).
Vehicle Accidents – You need Commercial Auto Insurance for that.
Damage to Your Own Business Property – You need Commercial Property Insurance for your office, equipment, or inventory.

hector j santiago montes shore tax and insurance founder

You can contact us to learn about other type of insurance we might offer, we want to help you stay secured all the way.

How Much Does General Liability Insurance Cost in Maryland?

Costs vary, but typically:
💰 Small businesses pay around $40 – $70 per month ($500 – $1,000 per year).
💰 Higher-risk industries (construction, contracting, retail) pay $1,500+ per year.
💰 Custom policies with higher coverage limits cost more.

Factors that impact cost :

  • Business size & revenue
  • Industry risk level
  • Coverage limits
  • Claims history

Customizing Your Business Insurance

It’s important to understand that insurance coverage isn’t one-size-fits-all. Your business has unique needs that require a tailored insurance solution. We work with you to identify potential risks and craft the right combination of coverage for optimal protection.

Industry Matters:

Whether you run a bustling Richmond restaurant, a family-owned construction firm in Fairfax, or a vibrant retail store, we understand the distinct risks facing different industries and adjust your plan accordingly.

Assessing Your Needs:

Through careful consultation, we evaluate factors like the size of your business, location, number of employees, equipment value, and other variables to recommend ideal coverage levels.

Beyond the Basics:

While core coverage is vital, we explore additions like cyber liability, professional liability, and specialized types of business interruption insurance to provide comprehensive security for your operations.

Protect your business – get a personalized Liability insurance assessment today!

You can get it through independent insurance agencies like ours

Get a free Estimation

You can also get it through online insurance platforms, or directly from insurance providers. It’s best to compare quotes from different insurers to find the best coverage at the best price.

Need Commercial Auto Insurance ?

Learn about it first

Why Choose Us

Tailored Solutions:

Customized insurance coverage that meets the specific needs of your business, ensuring you’re protected against unique risks.

Bilingual Support:

Comprehensive support in both English and Spanish, facilitating clear communication for diverse business community.

Fast Claims Process:

A streamlined, efficient claims process to minimize disruption and get your business back on track swiftly.

Industry Expertise:

Deep understanding of local industries, offering insights and coverage to protect against specific risks.

Customer Service Commitment:

Unwavering dedication to your peace of mind, with a focus on partnership and exceptional service throughout your journey with us.