Protecting Your Business From Everyday Risks
General Liability Insurance in Southern Maryland
General liability covers the injury and property damage claims that can follow a business home, and we compare multiple carriers to get Southern Maryland contractors and small businesses limits that hold up against what their contracts actually require.
What One Claim Can Cost a Small Business
A slip-and-fall at your storefront, a subcontractor damaging a client's finished drywall, or a claim that your advertising copied someone else's all land in the same place: general liability. Without it, the medical bills, repair costs, and legal defense come out of the business.
We write commercial liability insurance for businesses across Charles County and throughout Southern Maryland, with a particular focus on contractors and trades who need certificates issued quickly and limits that satisfy general contractors, property managers, and county permit requirements. As an independent agency, we compare carriers rather than fitting you to the one policy we happen to sell.
A Local Agency Contractors Have Used for Decades
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A.F. Szabo has written business insurance from the same Waldorf office since the 1970s, founded by Helene's father and run today by Helene and David Gummere as a
family agency. For contractors, that continuity shows up in the small things, like getting a certificate of insurance the same day a general contractor asks for one.
More than 50 years insuring Southern Maryland businesses and contractors
Second-generation, family-owned and independent
Access to multiple top-rated national and regional carriers for liability placement
Certificates of insurance handled directly by the people who wrote your policy
Do all businesses need general liability insurance?
It is recommended for businesses of every size and industry, including home-based operations. In practice, many Southern Maryland businesses also need it because a client contract, lease, or permit requires proof of coverage before work can start.
What's not covered under general liability insurance?
General liability will not cover employee injuries, professional errors and omissions, or accidents involving business vehicles. Employee injuries fall under workers' compensation, which Maryland requires for nearly every employer with even one employee. Vehicle claims fall under commercial auto.
How much general liability insurance do I need?
Coverage needs vary by industry, revenue, and how much direct customer contact you have. Many contracts and job sites specify a $1 million per-occurrence and $2 million aggregate minimum, so your contracts often set the floor. We review those requirements with you before recommending limits.
How much does general liability insurance cost for a small business?
Premiums depend on your trade, payroll, revenue, claims history, and the limits you carry, so a consultant and a roofing contractor will see very different numbers. For many small businesses it is one of the more affordable policies they hold. We compare options across carriers to find competitive pricing for your risk profile.
Can I bundle general liability with other business insurance?
Yes. Many businesses combine general liability with commercial property coverage in a Business Owners Policy, which usually costs less than buying the two separately and adds business interruption coverage. We will price both approaches so you can see the difference.
General Liability Questions From Southern Maryland Businesses
Secure Your Business’s Future Today
One claim could change everything — unless you’re protected. Let’s talk about building a liability policy that supports your business’s growth, resilience, & future.