Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Business & Commercial Insurance in Fruitland, Pocomoke, and Laurel, DE
Your local Maryland insurance provider
Running a business requires you to shoulder a lot of responsibilities. One of the main responsibilities is to protect your hard work, both for the sake of your business and all of those involved.
Mann & Gray Insurance Associates works with business owners across industries and specialties to find and tailor business insurance policies. We will help you protect your hard work with a comprehensive and affordable commercial insurance policy.
What Does Commercial Insurance Cover?
There are many types of business insurance policies both broad and narrow. Some of the important business insurance coverages offered through Mann & Gray Insurance Associates include:
Liability insurance primarily serves to protect your business in case of a lawsuit. Important types of liability include:
General Liability: General liability insurance covers accusations of bodily injury, property damage and personal or advertising injury against your business. If someone is injured on your business’ property, for example, general liability insurance can help with the victim’s medical bills as well as the business’ legal fees in case of a related lawsuit.
Professional Liability: Professional liability insurance covers claims of professional negligence against your business. If one of your business’ professionals makes a mistake that causes a client to lose money, professional liability insurance can cover the damages and possible resulting lawsuit.
Umbrella Liability: Umbrella liability insurance provides compensation when your other liability insurance policies reach their limit. For example, if your business reaches its limit for a general liability claim, umbrella liability insurance can step in to cover the remaining costs.
Commercial Property Insurance
Commercial property insurance covers the physical assets of your business. A general commercial property insurance policy covers the physical location and its contents in case of fire, wind, hail, lightning, smoke, theft, vandalism and more.
Other types of property insurance include:
Workers compensation covers employee injuries that occur on the job. If one of your employees is injured while working, workers compensation can cover their medical bills, wage replacement, disability benefits and, in extreme cases, death benefits. This insurance is required for most industries.
Additional Insurance Options
Loss Control Insurance
Business Owners Policy
Protect Your Business Today
Give your business the protection it deserves. Speak with an insurance professional from Mann & Gray Insurance Associates at 800-437-3888 or fill out an online quote form to get started.
Common Commercial Insurance Questions
How Much Does Commercial Insurance Cost?
The cost of commercial insurance depends on the size of the business, location, industry, coverage limits and more. Fill out an to find out how much you can save on business insurance today.
How Much Commercial Insurance Do I Need?
Your commercial insurance needs depend on a variety of factors, including the size of your business and the industry. Speak with an agent from Mann & Gray Insurance Associates to discuss how much insurance your company may need.
How Does Commercial Insurance Work?
A commercial insurance policy works similar to other insurance policies. You will pay monthly or yearly premiums in return for business insurance coverage. As long as this policy is active, you can file a claim for lawsuits, property damages and more.