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Small Business Insurance in Maryland

biBERK is trusted by many companies for small business insurance in Maryland. We offer flexible policies to protect you from the many types of risk Maryland businesses face.

Maryland Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Maryland to suit your business.

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Maryland General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a vital type of business insurance in Maryland. It covers damages and legal costs associated with injuries to customers and other people you don't employ (like slip-and-fall accidents at your location), damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Maryland Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business. For instance, if a severe storm damages your building, you may be covered. You also get coverage for business interruption. This can replace lost income, as well as pay other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. In addition, you can tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Maryland Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. If you’re a bookkeeper, for example, and you make a calculation error that results in your client losing money, your business may be covered if they sue you. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Maryland Cyber Insurance

This type of small business insurance in Maryland can be purchased as an add-on to a general liability, Maryland BOP or professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Maryland Umbrella Insurance

When buying business insurance in Maryland, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in Maryland, Including:

  • Administrative services
  • Architecture and engineering firms
  • Auditors and accountants
  • Auto body repair shops
  • Auto parts shops
  • Auto service and repair centers
  • Building electrician services
  • Building owner operations
  • Business consultants
  • Cabinet and trim installation services
  • Carpentry services
  • Clerical services for physicians’ offices
  • Concrete driveway installation/repair services
  • Concrete wrecking operations
  • Contractor building operations
  • Contractors Day care centers and day camps
  • Fast food restaurants
  • Floor and carpet installers
  • Full-time housekeepers
  • Furniture storage warehouses
  • Glazier services
  • Gym/fitness center
  • Heating and air installation/repair services
  • Home health care and traveling health care companies
  • Landscaping and gardening services
  • Metal door and metal frame installation services
  • Metal fence installation Millwright operations Nursing homes
  • Painting and wallpaper installation companies
  • Park operations
  • Plastering services
  • Restaurants
  • Retail stores
  • Sales and collection services
  • Sprinkler installation companies
  • Truck drivers
  • Trucking companies

Why biBERK for Small Business Insurance in Maryland?

We’re the experts when it comes to small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Business Insurance in Maryland?

Whether it’s a Maryland BOP or other policies, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services that can help them grow.

Your Source for Small Business Insurance in Maryland

Since we’re an online insurance provider, you can connect with us easily to get:

  • General liability insurance in Baltimore, MD
  • Professional liability insurance in Silver Spring, MD
  • Umbrella insurance in Waldorf, MD
  • Workers’ compensation insurance in Frederick, MD
  • Cyber insurance in Rockville, MD
  • Any coverage we offer, wherever you are in Maryland!

What do biBERK Customers Say?

Maryland Small Business Insurance: What’s Required?

Workers' Compensation

In Maryland, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business in Maryland without a workers’ comp policy.

Other Policy Considerations

While the law may not state it, there’s a good chance you need to carry other business insurance policies in addition to workers’ comp. Many contracts require a general liability policy and/or a professional liability policy, for example. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Commercial Insurance in Maryland Cost?

The cost of commercial insurance in Maryland depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums.

Learn what you’ll pay by getting instant online small business insurance quotes.

Maryland Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Business Insurance Quote Today

Trust biBERK for Maryland small business insurance and save up to 20%.