PROTECT YOUR BUSINESS

Essential Coverage

Comprehensive Business Protection in Maryland, DC, Pennsylvania, and Virginia

Running a business comes with risks, but the right insurance ensures you’re prepared for the unexpected. At Liberty Preferred Insurance Group, we help businesses of all sizes find the coverage they need, from business insurance for small companies to commercial insurance options in Sykesville. As an independent agency, we work with top-rated carriers to provide customized policies that balance coverage and cost. Whether you need protection for property, employees, or liability, we make securing the right insurance simple and stress-free.

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Business Owners Insurance (BOP)

ESSENTIAL PROTECTION FOR BUSINESSES

A Business Owners Policy (BOP) combines property and liability insurance into one convenient package. It’s designed for small and mid-sized businesses, covering everything from property damage to lawsuits.

General Liability Insurance

COVERAGE FOR EVERY BUSINESS

General liability insurance protects businesses from lawsuits related to bodily injury, property damage, and advertising harm. It’s one of the most essential coverages for business owners.

Business Auto Insurance

PROTECTION ON THE ROAD

Business auto insurance covers company-owned vehicles used for operations, deliveries, and employee transportation. It ensures financial protection against accidents, liability, and vehicle damage.

Commercial Property Insurance

SECURE YOUR BUSINESS SPACE

Commercial property insurance protects buildings, equipment, and inventory from fire, theft, and natural disasters. Whether you own or lease, this coverage ensures financial stability.

Workers’ Compensation Insurance

PROTECTING YOUR EMPLOYEES

Workers’ compensation insurance covers medical costs and lost wages for employees injured on the job. It helps businesses comply with legal requirements and avoid costly lawsuits.

Commercial Umbrella Insurance

EXTRA LIABILITY PROTECTION

Commercial umbrella insurance provides additional liability coverage beyond standard policies. It helps businesses manage the financial impact of large lawsuits.

Cyber Liability Insurance

DEFENSE AGAINST DIGITAL RISKS

Cyber liability insurance protects businesses from financial losses due to data breaches, cyberattacks, and fraud. In an increasingly digital world, this coverage is essential.

Employment Practices Liability (EPLI)

PROTECT AGAINST EMPLOYEE CLAIMS

EPLI covers businesses against claims of wrongful termination, discrimination, and workplace harassment. It’s essential for companies of all sizes.

Errors & Omissions Liability (E&O)

PROTECTION FROM PROFESSIONAL ERRORS

Errors & Omissions (E&O) insurance safeguards businesses from claims of negligence, mistakes, or omissions in their professional services. It’s essential for consultants, financial advisors, real estate agents, and other service providers.

Business Flood Insurance

PROTECTION FROM WATER DAMAGE

Business flood insurance covers damage caused by rising water and flash floods. Since standard commercial property insurance doesn’t cover floods, this policy is essential for at-risk areas.

Crime Insurance

PROTECTION AGAINST THEFT

Crime insurance covers financial losses from employee theft, fraud, and third-party crimes. It helps businesses safeguard assets, cash flow, and sensitive information.

Builders Risk Insurance

COVERAGE FOR CONSTRUCTION PROJECTS

Builders risk insurance protects construction sites and materials from damage during building or renovation projects. It covers unexpected setbacks like weather damage, fire, or theft.

Liquor Liability Insurance

COVERAGE FOR SERVING ALCOHOL

Liquor liability insurance protects businesses from claims related to alcohol service, including intoxication-related incidents and property damage. It’s crucial for bars, restaurants, and event hosts.

Special Event Insurance

ONE-TIME COVERAGE FOR EVENTS

Special event insurance protects businesses and individuals from liability risks during public and private gatherings. It ensures financial security against cancellations, accidents, and property damage.

Surety Bonds

GUARANTEED BUSINESS OBLIGATIONS

Surety bonds provide financial guarantees that businesses will fulfill their contractual obligations. They help establish trust with clients, government agencies, and project owners.

Ocean Marine Insurance

COVERAGE FOR MARITIME BUSINESSES

Ocean marine insurance protects ships, cargo, and maritime operations from financial losses. It’s essential for businesses involved in international trade and shipping.

Inland Marine Insurance

MOBILE ASSET PROTECTION

Inland marine insurance covers business equipment, tools, and transported goods. It’s ideal for businesses that frequently move valuable assets.

Environmental Insurance

COVERAGE FOR POLLUTION RISKS

Environmental insurance protects businesses from liability related to pollution, hazardous waste, and environmental damage. It helps cover cleanup costs, legal fees, and third-party claims.

Systems Breakdown Insurance

PROTECTION FOR EQUIPMENT FAILURES

Systems breakdown insurance covers repair and replacement costs for essential business equipment. It ensures financial stability when mechanical or electrical failures disrupt operations.

Key Man Life Insurance

PROTECT YOUR BUSINESS LEADERS

Key man life insurance provides financial protection if a crucial business leader passes away. It helps cover lost revenue, hiring costs, and business continuity expenses.

Fiduciary Liability Insurance

PROTECTION FOR BENEFIT PLANS

Fiduciary liability insurance safeguards businesses and executives managing employee benefit plans. It protects against claims of mismanagement, errors, and breaches of fiduciary duties.

Captive Insurance

CUSTOMIZED RISK MANAGEMENT

Captive insurance allows businesses to self-insure by creating their own insurance company. It provides flexibility and cost savings for businesses managing unique risks.

  • What’s the difference between life and AD&D insurance?

    Life insurance covers death from any cause, while AD&D covers accidental deaths and severe injuries.

  • Who needs Life & AD&D insurance?

    Employers offering benefits packages can provide this coverage to employees.

  • Can employees choose their coverage amount?

    Many plans offer tiered coverage options based on salary or personal preference.

  • Is AD&D insurance worth having?

    Yes, it provides additional financial protection for accidents that cause disability or loss of life.

Life & AD&D Insurance

PROTECTION FOR EMPLOYEES

Life and Accidental Death & Dismemberment (AD&D) insurance provides financial security for employees and their families. It offers peace of mind by covering unexpected loss of life or severe injuries.

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Protect Your Business

Have questions or need a personalized quote? Our team is ready to help you find the perfect coverage.