Ah, Maryland. That beautiful mishmash of north and south, ocean and mountain, city and farmland. There's a lot to love about the Old Line State, and IT business owners know it. Our report Best Places to Live for Tech Entrepreneurs cited Baltimore as one of the best places to own a tech business for folks who love a comeback story. And who doesn't love a comeback story?
- If your IT business is like many in Maryland, you may serve clients in the D.C. area and beyond. TechInsurance can help you ensure that you've got the commercial insurance provisions you need when working out-of-state.
- If you're doing business in states outside of Maryland, it's important to report payroll for your out-of-state workers to your workers' comp insurance carrier. If you don't, those employees might not have coverage.
- Cyclones have been known to dump heavy rain on Maryland, sometimes causing extensive property damage due to flooding. But beware: Many property insurance policies don't include standard flood coverage, and it may need to be purchased separately.
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One of the smallest states in the Union, Maryland is big on business. Rich with history and in terms of per-capita income, 1 this state's strong economy offers plenty of opportunities for IT businesses operating in and around the Washington, D.C., area. Be sure your business has the insurance provisions clients demand by finding the right professional liability, general liability, property and other types of insurance with help from the IT insurance experts at TechInsurance.
Weather the Storm in Maryland
Due to its coastal location, Maryland has seen its share of severe weather systems. Protect your Maryland-based IT business with property and business interruption insurance, which can help your business stay afloat even if you're forced to close your doors temporarily due to covered property damage. Not sure how much coverage you might need? We can help. For a no-obligation risk evaluation, contact the Maryland IT insurance experts at TechInsurance.
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If you're looking for any of the following types of insurance, we've got you covered:
You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.
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