Protection That Works for Your Business

Commercial Insurance in Southern Maryland

We build business insurance for Southern Maryland contractors and small businesses by comparing multiple carriers, so your liability, property, vehicle, and workers' comp coverage lines up as one plan instead of four policies that leave gaps between them.

Coverage Designed Around How Your Business Actually Operates

A framing contractor with three trucks and a crew, a Waldorf retail shop, and a landscaping outfit working across two counties carry different exposures. Running each one through the same template is how businesses end up paying for coverage they do not need while missing the coverage they do. As an independent agency, we compare multiple carriers and build one coordinated commercial insurance plan.


For contractors and trades in particular, that usually means general liability, commercial auto for work vehicles, workers' compensation for the crew, and property coverage for tools and equipment, written so the policies work together at claim time. We write business insurance across Charles County and throughout Southern Maryland.

General Liability for the Claims You Cannot Plan Around

A customer trips on your sidewalk. A crew member damages a client's floor during a job. General liability insurance covers bodily injury, property damage, and personal and advertising injury claims, along with the legal defense costs that come with them. For contractors, it is also the coverage most general contractors and property owners require before you can get on a job site.

Commercial Property Coverage You Can Count On

Your building, equipment, & inventory are key to your success. Commercial property insurance protects the physical assets your business depends on — covering repairs or replacement if disaster strikes. Let’s keep your business moving forward with smart, reliable protection.

Commercial Auto Insurance for Business Vehicles

From service vans to delivery trucks, your business vehicles need the right protection on the road. Commercial auto insurance covers your company-owned vehicles for accidents, damages, injuries, & liability — helping your business stay on the move without costly interruptions. Whether you have a single vehicle or a growing fleet, we’ll build coverage that fits your needs & keeps you focused on running your business.

Workers' Compensation Insurance for Your Team

Protecting your employees also protects your business. Workers’ comp provides essential benefits for employees who experience work-related injuries or illnesses — while helping shield your business from costly lawsuits. It's required for most Maryland employers & a must-have for workplace peace of mind.

Home, auto, umbrella, and business coverage handled under one agency

Black checkmark inside a circle icon on a white background

Fifty Years Insuring Southern Maryland Businesses

A.F. Szabo has written commercial insurance from Waldorf since the 1970s, founded by Helene's father and run today by Helene and David Gummere. Business owners here deal with the same two people year over year, which matters when a certificate of insurance is needed the same afternoon or a claim needs someone to pick up the phone.

Black checkmark inside a circle icon, representing approval or completion

More than 50 years insuring Southern Maryland businesses and contractors

Black checkmark inside a circle icon on a white background

Second-generation, family-owned and independent, so we compare carriers instead of representing one

Black check mark inside a black circle icon on a white background

Liability, property, commercial auto, and workers' comp coordinated under a single agency

Black check mark inside a circle icon on a white background

Serving businesses in Charles County, Calvert County, St. Mary's County, and southern Prince George's County

  • What does a business owners policy cover in Maryland?

    A business owners policy, or BOP, bundles general liability and commercial property coverage into one policy, usually with business interruption coverage included. It is built for small and mid-sized businesses and typically costs less than buying the same coverages separately. Not every business qualifies, and higher-risk operations often need standalone policies instead.

  • Does my Maryland business need workers' compensation insurance?

    With few exceptions, every employer in Maryland with one or more employees is required by law to carry workers' compensation coverage, including part-time and seasonal workers. Business owners themselves and genuine independent contractors are generally not counted. Misclassifying employees to avoid coverage carries real penalties.

  • What business insurance do contractors in Southern Maryland usually need?

    Most contractors carry general liability, commercial auto for trucks and vans, and workers' compensation once they have employees. Depending on the trade, tools and equipment coverage, installation floater coverage, and higher liability limits required by general contractors or municipalities also come into play. We review your contracts and job requirements before quoting.

  • How do I get a commercial insurance quote in Charles County?

    Call the office at 301-645-8545 or send us a request through the contact form, and we will ask about your operations, payroll, vehicles, property, and any coverage requirements in your contracts. From there we compare quotes across carriers and walk you through the options. Most quotes come back within a few business days.

  • Can I bundle home and auto insurance to save money?

    Yes, and bundling is one of the more reliable ways to reduce your total premium. Most carriers we work with discount both policies when they are written together. Ask us to quote your auto insurance alongside your home policy and compare the combined cost.

Commercial Insurance Questions From Local Business Owners

Not Sure What Coverage You Need?

Every business is unique — and so are your risks. Reach out today & we'll help you build a plan that works for your team, your assets, & your future.