Commercial Insurance

Growing businesses need the protection of commercial insurance at every stage of their business growth. The right commercial insurance policy can make the difference between growth and difficulty when a disaster occurs. The benefit is that these policies can be tailored to meet your business’ needs. It’s not a one size fits all situation. With the right coverage, events like severe weather damage or a lawsuit can be easier to recover from. At Siska Insurance Agency, our agents work with small businesses throughout Maryland to keep their companies protected.

By combining several policies together, businesses can get the commercial insurance that they need. Typically, policies start with property, liability, and worker's compensation coverage. Property insurance covers any buildings and their contents including materials, electronic equipment, and inventory. Special inclusions can be made if your staff frequently attend fairs or trade shows. Liability protection comes into effect if someone is injured at a business location or by one of the company’s products. If the company is found negligent, it will cover medical and legal fees. Employees are protected if they are injured by worker's compensation.

While there are the basics, additional coverage is available when needed. Many look into business continuity coverage which goes into effect when a company is unable to operate normally due to a disaster. This protects the business during a period of loss of income until they can function normally again. Attorneys, physicians, and other professionals often have professional liability coverage. For additional coverage over base policies, many invest in umbrella insurance. This goes into effect when other policies have reached their caps. Businesses with a corporate fleet need to have commercial auto insurance.

When your business needs commercial insurance, there are many options. Tailor the coverage to meet your business’ specific needs. At Siska Insurance Agency, our team works to meet the insurance needs of Maryland businesses. Visit our website for information then contact us. Our agents will share with you your many options. We’re your partners and want to see you weather any store and succeed. Give us a call today!