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Business Insurance 2017-10-20T20:55:55+00:00

Severna Park MD Commercial Insurance

Business insurance we offer includes commercial vehicle, general liability, workers comp & more. Call 410-544-4300!

Maryland business owners have enough on their minds without having to worry about insurance.

These days, running a business can be difficult and sometimes risky. As a business owner, there are plenty of things to worry about on a daily basis. We want to help alleviate some of that worry by offering the best, most affordable business insurance.

At the Bye Insurance Agency, we understand that all businesses are unique and have different insurance needs. That’s why we take the time to understand your particular situation and offer the best, most affordable solutions. For Maryland companies, we offer several business insurance solutions such as:

  • Group Benefits
  • Commercial Auto
  • General Liability
  • Commercial Property
  • Workers Compensation
  • And more…

We also offer specialty packages designed for businesses such as gas stations, farms, auto repair, and HVAC. Our solutions are custom and can be set up in any way that fits your needs. Our agents know how to put together a business package that is flexible and scalable.

We welcome the opportunity to help your company grow and prosper by offering great protection. If your business is in Maryland, please give us a call or fill out the form on this page. We look forward to working with you on a great business insurance package.

Commercial Vehicle Insurance | Group Benefits | General Liability | Excess Liability/Umbrella Insurance | Commercial Property Insurance
Workers Compensation Insurance | Homeowners Association Insurance | Restaurant Insurance | Auto Repair Shop Insurance | Contractors Insurance
Gas Station Insurance | Tow Truck Insurance | Bonds | Employment Practices Liability Insurance | Professionally Liability Insurance | Farm Insurance

Commercial Vehicle Insurance

Many states require individuals to purchase vehicle insurance to protect their cars. Car insurance is mandated for good reason- if you get into an accident, you and the other driver involved will be thankful you have coverage. If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.

Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a commercial vehicle policy for your business. If the business is the owner of the vehicle, make sure the name of the business appears on the policy as the “principal insured” rather than your name.

Whether your company needs to purchase a commercial auto insurance policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your business’s vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.

We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search the country to find you the best rate. Contact us today or call to learn more about your options – or get a free commercial auto insurance quote right now!

Group Benefits

AT BYE INSURANCE AGENCY, WE ARE COMMITTED TO MAKING AFFORDABLE HEALTH CARE ACCESSIBLE TO EVERYONE IN MARYLAND.

According to a recent Gallop Poll, Maryland is one of the healthiest states in the nation. The poll was conducted between January and June 2011 and ranks our state at number ten. Unfortunately, like most states, Maryland has a high percentage of people who do not have a health insurance plan. While this number may not be as high as some states, we still have 13 percent with no insurance coverage.

At the Bye Insurance Agency, we want to help everyone in MD with affordable health insurance. We offer a wide variety of policy options that include:

  • Routine services
  • Emergency services
  • Annual check-ups
  • Pap smears
  • Physicals

We offer a broad selection of health plans for individuals and families that are both affordable and reliable. Our agents can help put together a policy that is just right for you. If you live in Maryland and are struggling to come with an affordable health insurance plan, we would love to help. Please give us a call today at 888-489-3308 for more information.

General Liability

DOES YOUR BUSINESS HAVE ENOUGH LIABILITY COVERAGE?

CAN YOUR BUSINESS EVER HAVE TOO MUCH?

General liability is one of the most pervasive policies on the market today – and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses.

It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:

Protection of your business’ property from:

  • Fire
  • Theft
  • Vandalism

Claims due to:

  • Bodily injury
  • Property Damage
  • Negligence

You can learn more about general liability for businesses by speaking to one of our knowledgeable agents today. Contact the Bye Insurance Agency for more general liability information now.

Excess Liability/Umbrella Insurance

Owning a business is a difficult task. As a business owner, you worry for the future of your company in a time when many businesses are going under. In addition to making sure the company is growing, you must also plan for mistakes or accidents that could potentially devastate your business. The best way to deal with an unsatisfied customer and a potential lawsuit is through umbrella or excess liability insurance.

Umbrella or excess liability insurance will cover your business from catastrophic issues that threaten its security. An excess liability insurance policy acts as an umbrella to your basic liability insurance. This type of coverage kicks in when a claim is made against you that exceeds the amount of your existing liability coverage. Umbrella liability insurance provides a safety net when your other business coverage has been exhausted.

Give your business the coverage it needs with umbrella insurance from the Bye Insurance Agency. Contact us right now for more information or fill out our free, no obligation form to receive a fast quote.

Commercial Property Insurance

Commercial property insurance could well be one of the most important coverages you buy when it comes to protecting the future of your business. But to fully enjoy its benefits, you have to understand the parameters of the coverage. How does this differ from other business insurance solutions?

Commercial property insurance is designed to protect:

  • Your building or office
  • Your inventory
  • Any outdoor signage
  • Landscaping and fencing
  • Additional structures

The Bye Insurance Agency stands ready to help you and your business thrive. To learn more about the details, rates, and exclusions of Commercial Property Insurance, feel free to speak to any of our knowledgeable agents today.

Workers Compensation Insurance

EVERY EMPLOYER IN THE STATE OF MARYLAND IS REQUIRED TO OBTAIN WORKERS COMPENSATION INSURANCE OR BECOME A SELF-INSURED EMPLOYER.

Workers comp in MD is a “no fault” system. This means that employees who suffer job related injuries or illnesses do not have to prove negligence by the employer. The injured employee can collect compensation and medical expenses no matter who was a fault. In turn, the employee cannot sue the employer for negligence.

Workers compensation insurance is essential to protect your employees and your business. It is also required by Maryland law. If you do not carry workers compensation, you will be guilty of a misdemeanor. You could face fines up to $5,000, imprisonment for up to one year, or both a fine and imprisonment. At Bye Insurance Agency, we want to help you stay legal by offering very affordable workers comp solutions. Our plans can provide your employees coverage for:

  • Disability Compensation
  • Medical Benefits
  • Rehabilitation
  • Death Benefits

If you own a business with employees in Maryland, we would love to take a look at your current workers compensation package. Chances are we can offer a superior package at a more affordable price. Give us a call at 888-489-3308 for more information. We look forward to working with you.

Homeowners Association Insurance

There are a number of amenities that come with living in a condominium. Well-kept grounds, a sparkling pool, perhaps even a state-of-the-art fitness center are just some of the amenities residents can enjoy – if the funds are in place. The homeowners association regulates maintenance fees and is charged with the upkeep of the property.

At the Bye Insurance Agency we offer homeowners association coverage that can address key concerns, including:

  • Property liability
  • Fire protection
  • Pollutant clean up
  • Vandalism

Contact us to learn more about our homeowners association insurance today.

Restaurant Insurance

A quality dining experience is the convergence of a number of factors. Unfortunately, each of these factors carries a number of risk concerns, which include everything from the quality of the food, to the cleanliness of your establishment, to the safety of the kitchen.

At the Bye Insurance Agency, we offer general and specialized restaurant liability insurance that can address your unique risk exposure, including:

  • General Liability Coverage
  • Liquor Liability Coverage
  • Workers Compensation Insurance
  • Food Contamination Insurance

Contact us to learn more about our restaurant insurance coverage today!

Auto Repair Shop Insurance

AT THE BYE INSURANCE AGENCY, WE OFFER BUSINESS OWNER’S INSURANCE THAT IS PERFECT FOR YOUR AUTO REPAIR BUSINESS.

If you own an auto repair business, you know that your insurance needs are unique. You are responsible for the cars you work on, your employees, and the safety of anyone who enters your property. There are many options to a policy that is specialized for the auto repair industry, and our agents can explain them all in detail. Some of the more common options are:

  • General Liability
  • Umbrella/Excess Liability
  • Garage Liability
  • Auto and Fleet Liability
  • Business Interruption
  • Workers Comp

We can provide the right policy options no matter what type of shop you own, and our agents can design the best program to fit your auto repair center or garage. When you work with Bye Insurance Agency, you get great service at a very affordable price.

If you haven’t taken a look at your current policy in a while, now may be the time. We are confident that we come up with more protection at a more affordable cost. What have you got to lose? Give us a call today to learn more.

Contractors Insurance

Contractors tend to be firm believers in Murphy’s Law: if something can go wrong on a job site, chances are, it will. As a general contractor (GC), you are responsible for everything on the job site – from the people on your crew, the property you’re working on, and the equipment you use. If a wall collapses or someone on your crew – or any crew – is injured, you’re responsible.

And what if the work isn’t up to par? That’s right – you’re responsible.

Whether you’re an electrician, plumber, or HVAC contractor, at the Bye Insurance Agency, we offer contractors insurance solutions that can address your liability concerns, no matter what size project you’re working on. You can be sure you will have the coverage you need, no matter how unique your risk exposures.

Learn more about your contractors insurance options – speak to one of our dedicated agents or fill out an online request form.

Gas Station Insurance

People don’t just refuel their cars at your gas station, they refuel their bodies.

Fuel, snacks – even car repairs – you provide a host of goods and services to your local community. Be sure you protect them, and yourself, from unforeseen accidents.

At the Bye Insurance Agency, we provide liability and business insurance solutions for gas stations just like yours. This coverage can include:

  • Damaged Pumps
  • Leaking Fuel Tanks
  • Fire and Explosions
  • Theft
  • General Liability Concerns

Don’t leave anything to chance. Call today!

Tow Truck Insurance

TOW TRUCK INSURANCE – PROTECTION WHEN YOU NEED IT.

While towing someone else’s vehicle, it is your responsibility to ensure that no harm comes to it. Whether you provide roadside assistance, mechanical repairs, auto salvage services, or are a full service station, tow truck insurance will help protect you and your business from liability risks.

In order to properly protect your business, you need the right towing insurance. Our customizable tow truck insurance policies can be designed to provide coverage for the following:

  • Auto Liability
  • Property Liability
  • General Liability
  • And more…

Give our agents a call today to learn more about your tow truck insurance options. We’re available toll-free at 888-489-3308 or simply fill out the form on this page and a representative from the Bye Insurance Agency will reach out to you personally.

Bonds

IN MARYLAND, A SURETY BOND IS REQUIRED FOR SOME BUSINESSES TO PROTECT CONSUMERS FROM BEING TAKEN ADVANTAGE OF.

In business, bonds guarantee that services are fully completed and all stipulations are followed. Many Maryland businesses are required to be bonded in order to operate in the state. If you own a business that is required to purchase a bond, the Bye Insurance Agency can help you obtain the right bonds at the best prices. Some of the businesses that are required to purchase bonds are:

  • Contractors
  • Auto dealers
  • Mortgage brokers
  • Health spa operators
  • Liquor sellers

Many business owners purchase bonds even if they are not required to be bonded. When your business is bonded, it shows your customers that you can be trusted. When your customers know that you have a surety bond in place, they will feel more secure about dealing with you. They will see you as an ethical business owner who is concerned about customer satisfaction.

At the Bye Insurance Agency, we offer dozens of different bonds for a wide variety of businesses. Some of the surety bond options we have for Maryland businesses are:

  • Athletic Agent Bond
  • Broker Surety Bond
  • Compliance Surety Bond
  • Executor Surety Bond
  • Liquor Tax Surety Bond
  • Roofing Contractor Surety Bond

If your business is required to hold a surety bond, or you simply want the benefits of being bonded, please contact one of our agents. We will be happy to offer a competitively priced bond that offers the protection that you need. Give us a call today at 888-489-3308.

Employment Practices Liability Insurance

Effectively protecting your company from employment practices liability requires having comprehensive EPLI policies in place before anything happens. EPLI is no longer just a concern for mega-corporations – more and more small and medium-sized businesses are being targeted by disgruntled employees.

The Bye Insurance Agency offers EPLI as a stand-alone policy, rather than folding it into a broader business liability package. Why? We want to ensure you have solid, uncompromised EPLI coverage in place to help protect your business from claims of:

  • Breach of Contract
  • Deprivation of Career Opportunity
  • Discrimination
  • Failure to Employ or Promote
  • Negligent Evaluation
  • Sexual Harassment
  • Wrongful Discipline
  • Wrongful Termination

Protect your business from spurious lawsuits. Call today!

Professionally Liability Insurance

Professionals who excel in the modern business world – such as consultants and accountants – possess one essential element: expertise. By definition, a professional is someone who has the education and experience to hold themselves to public and peer scrutiny. But as is the case, even experts can make mistakes.

At the Bye Insurance Agency we can indemnify professionals — and the services they provide — with comprehensive professional liability insurance. In addition to general business liability, this policy can provide crucial errors and omissions protection.

Contact us to learn how our professional liability insurance can indemnify you and your professional future.

Farm Insurance

Today’s farmers and agri-business owners need a suite of products designed to protect their hard-earned investments. Unfortunately, few brokerages or agencies can effectively provide the coverages they need. Broad coverages designed for your average business can leave commercial farmers and agri-businesses exposed to tremendous risks.

At the Bye Insurance Agency, we have been providing sound, affordable Farm Insurance solutions for commercial farmers and agri-businesses for years. We offer the following products and coverages:

  • Auto Liability
  • Group Health
  • General Liability
  • Excess Liability
  • Commercial Property
  • Worker’s Compensation
  • Livestock Gross Margin (LGM)
  • Crop insurance
  • Dental insurance

To learn more about our Farm Insurance solutions, we encourage you to speak to one of our dedicated agents at your earliest convenience. Call us today.

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