Maryland Business Insurance

A BOP policy is designed to provide Property and Liability coverage for small businesses. It is designed to offer a small business a broad range of coverages and give piece of mind as well as protect against loss.

Workers Compensation & Employers Liability is insurance that protects the assests of an employer’s by offering payments for medical injuries and bill if an accident occurs while on the job. The highest risk occupation in the workers compensation world is roofing. Roofers work for long hours, do the majority of their work 2-3 stories above the ground and rarely work with saftey gear. Falling is the biggest risk to a roofing company. An office employee is the lowest risk and usually is rated at the lowest rating and cost.

General and Professional liability policies have been created to insure against loss for accidents that happen to customers of a business, loss due from professional misconduct or other types of loss that would prevent a business for being able to normally perform day-to-day operations. An insurance agent at Abernathy Insurance can assist you in making the correct decision in coverage amounts and acceptable levels of risk. It doesn’t cost anything to get a quote and discuss your needs with one of our experienced insurance professionals.

1. What is "Uninsured Motorist" coverage?
   This is your protection against someone getting in an accident with you who does not have insurance.
   
   
2. How do I choose the right coverage for me and my family?
   As income increases your insurance needs will change. Your exposure to lawsuits due to some measure of negligence on your part or your family requires coverage to protect your hard earned assest. Specfic amounts depends on your tolerance for risk as well as actual annual earnings as well as assests. Sitting down with an agent can give you the specifics.



3. Why should I choose your company instead of the "big name" firms?
   While price and ease of use is high on everyone's priority list, having an agent you can trust might be higher. The time of crisis is a time your agent earns the trust of his client.