Get A Quote For Maryland and Pennsylvania General Liability Insurance
General liability insurance (GL) in Maryland and Pennsylvania is crucial for safeguarding your business from lawsuits and a range of claims that could emerge from your activities. Commonly known as business liability insurance, it provides extensive coverage for various risks encountered by small business owners, including bodily injury, property damage, personal and advertising injury, medical expenses, completed product operations, and damage to rented premises.
To get started, please fill out the form below as completely as possible. Once you have completed the, click the Submit button to send your information, and rest assured that your request will be handled promptly
Who needs Maryland & Pennsylvania general liability insurance?
A commercial general liability policy is an excellent choice for businesses that engage with clients, sell products, promote services, and more. Although it is not mandated by law, general liability insurance is the most prevalent form of business coverage, as it safeguards against a wide range of third-party claims and legal actions.
Common professions that purchase general liability insurance include:
-
Architects
-
Caterer
-
Engineers
-
Food trucks
-
Landscapers
-
Painters
-
Photographers
-
Plumbers
Sometimes, employers or clients may ask you to have a specific level of general liability insurance before you can begin working with them. It's essential to thoroughly review your contracts to ensure you choose the appropriate coverage limits when obtaining a general liability insurance quote.
Common questions about Maryland & Pennsylvania general liability insurance
Is Maryland & Pennsylvania general liability insurance required by law?
Neglecting to obtain general liability insurance can lead to significant financial burdens if a claim is made against your business. Consider this scenario: a client visits your office, trips over a rug, and sustains a hip injury. In the absence of general liability insurance, you would be entirely liable for covering all associated medical expenses and legal costs. Therefore, while it may not be mandated by law, securing this insurance should be a top priority for your business.
Does Maryland & Pennsylvania general liability insurance have a deductible?
Absolutely. When you request a quote for your general liability insurance, you have the option to select your deductible amount. A deductible is a predetermined out-of-pocket cost that you commit to covering before your insurance benefits kick in.
Does Maryland & Pennsylvania general liability insurance cover theft?
General liability insurance is designed to cover damages incurred by third parties, not your own. In this context, you are referred to as the "first party," while the individual making a claim against you is the "third party." Consequently, general liability does not extend to protect your property or equipment from theft or damage.
To safeguard your assets, we provide business personal property coverage included in a business owners policy.
Is Maryland & Pennsylvania general liability insurance tax deductible?
Absolutely. General liability premiums are typically viewed as "business expenses," which means they can often be deducted during tax season. However, it's wise to seek advice from a tax expert to confirm this.
Does Maryland & Pennsylvania general liability cover professional mistakes?
General liability insurance solely covers claims made by others for bodily injuries or property damage. To safeguard yourself against claims related to professional negligence or errors, it is essential to obtain professional liability insurance.
What is a certificate of insurance?
A certificate of insurance (COI) is a formal document that outlines the various coverages and limits associated with an insurance policy. In essence, it serves as proof of your insurance and provides a comprehensive overview of your policy's coverages and limits.
Does general liability cover workers' comp claims?
No, general liability insurance and workers' compensation insurance are distinct types of coverage that serve different purposes.
General liability insurance addresses incidents that occur outside of employee-related situations, whereas workers' compensation specifically covers injuries or illnesses sustained by employees. Workers' compensation takes care of medical expenses, lost wages, and other related costs due to the injury. Additionally, it offers protection in the event that an employee files a lawsuit following a workplace accident or injury.
Am I required to have both general liability and workers' comp for my small business?
The need for general liability and workers' compensation insurance varies based on your industry, business activities, and geographical area. Although general liability may not be mandatory for all businesses, workers' compensation is typically required if you employ staff.