Coverage for Your Business
PROTECT YOUR INVESTMENT
Adams Insurance Agency provides insurance to businesses in Maryland, Virginia, Pennsylvania, North Carolina, South Carolina, West Virginia, Delaware and the District of Columbia.
No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Adams Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business.
At Adams Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
We offer the following options for your business assets:
ASSURANCE FOR YOU AND YOUR BUSINESS
Owning a business means taking risks. At Adams Insurance Agency, we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.
The professional and knowledgeable bond specialists at Adams Insurance Agency will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.
Our business solution services include:
- Performance Bonds
- Contractor’s Bonds
- ERISA Bonds
- Fiduciary Bonds
- Sub-Division Bonds
- Court Bonds
- Conservator Bonds
- Surety Bonds
- Fidelity Bonds
- Public Officials
- Liquor Licenses
If you need a bond or license, contact a bond specialist at Adams Insurance Agency today who can help you find the surety products that keep your business covered.
We provide bonding and license services to businesses near Frederick, Rockville, Gaithersburg, Hagerstown, Columbia, and Westminster.
Business Owners Policy (BOP)
COMBINED COVERAGE FOR SPECIAL ADVANTAGES
At Adams Insurance Agency, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.
A Business Owners Policy (BOP) from Adams Insurance Agency allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.
The proper Business Owners Policy can keep your day-to-day operations protected with options such as:
- Products and Completed Operations
- Premises Liability
- Premises Medical
- Fire Legal Liability
- Business Income Insurance
- Building and Personal Property Protection
- On-Site Equipment Insurance
- Coverage for Inventory Loss
- Crime Insurance
FIND OUT IF YOUR BUSINESS IS ELIGIBLE
Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Adams Insurance Agency who can help you determine whether a BOP is right for your small or medium-sized business.
Commercial Auto Insurance
PEACE OF MIND FOR BUSINESSES ON THE ROAD
Adams Insurance Agency understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.
To prevent losing your hard-earned revenue due to an auto accident, you will want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Adams Insurance Agency, we will work with you one-on-one to create a customized policy that may include:
- Bodily Injury Liability
- Medical Payments
- Personal Injury Protection (PIP) Coverage
- Comprehensive Coverage
- Collision Coverage
- GAP Coverage
- Uninsured and Underinsured Motorist Coverage
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.
Since Commercial Auto Insurance coverage varies, it is important to discuss your business’s options with a specialist at Adams Insurance Agency who can help you determine the proper amount of coverage for all your commercial needs.
Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it is protected with a Commercial Auto policy from Adams Insurance Agency.
Commercial General Liability
CRITICAL ASSURANCE FOR THE PROTECTION OF YOUR BUSINESS
Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Adams Insurance Agency, we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.
Commercial General Liability from Adams Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Adams Insurance Agency include:
- Premises Liability
- Products and Completed Operations
- Premises Medical
- Fire Legal Liability
- Casualty Coverage
Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.
ADDITIONAL COMMERCIAL LIABILITY
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
- Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
- Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor – from liquor establishments to office parties/special events.
- Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.
Since there are many types of liability coverages, it is important to talk with a specialist at Adams Insurance Agency about the best options for your business.
Commercial Property Insurance
PROTECTION FOR YOUR BUSINESS ITSELF
Every day you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That is why it is important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.
With a custom Property Insurance policy from Adams Insurance Agency, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:
- Your building
- All interior items (desks, furniture, etc.)
- Any outdoor signs on your property
- On-site equipment
- Your inventory
Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.
ADDITIONAL BUSINESS PROTECTION
In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact Adams Insurance Agency today.
Commercial Umbrella Insurance
EXTRA PROTECTION THAT KEEPS YOU IN BUSINESS
As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.
With Commercial Umbrella Insurance from Adams Insurance Agency, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.
A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.
WHAT DOES COMMERCIAL UMBRELLA INSURANCE COVER?
Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:
- Accidental falls or slips on your property
- A carbon monoxide leak in your building
- Libel, slander, or invasion of privacy
- If one of your products causes injury or illness
- If a fire in your building damages other property
- Violations of Employment Practices Liability
- If your business vehicle is involved in an accident
HOW MUCH UMBRELLA COVERAGE IS ENOUGH?
Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Adams Insurance Agency, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.
Protect your business personally and financially with a Commercial Umbrella policy from Adams Insurance Agency.
SPECIALTY COVERAGE FOR DISHONESTY IN THE WORKPLACE.
Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.
At Adams Insurance Agency, we can help your business develop a plan that keeps your assets protected in the event of such a specific circumstance. With Crime Insurance, your policy can include coverage for various situations, such as:
- Robbery or Burglary
- Computer Fraud
- Employee Dishonesty
- Theft of Business Property
Since there are limitations to your commercial crime policy, you should carefully discuss your options with Adams Insurance Agency to find out what kind of insurance your business needs based on your current situation and potential risks.
Don’t lose important data or finances on the account of a dishonest employee’s actions. Keep your business secure with Crime Insurance from Adams Insurance Agency.
PROTECT YOUR BUSINESS FROM THEFT AND DISHONESTY
As a business owner, even if you take every precaution possible to ensure the security of your business assets, theft and dishonesty can still happen. Without the right coverage, businesses can lose important data or experience major financial losses as a result of fraudulent activity.
A Fidelity Bond from Adams Insurance Agency can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.
TYPES OF FIDELITY BONDS
Fidelity Bond options from Adams Insurance Agency include:
ERISA Bonds – for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.
Employee Dishonesty Bonds – that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.
Business Service Bonds – that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.
While there are other options available, it is important to discuss the needs pertaining to your business with a licensed professional. At Adams Insurance Agency, we can provide you with the proper protection to keep your assets secure.
MANAGE, TRACK, AND REPORT LEAVES AND ABSENCES OF YOUR EMPLOYEES
Adams Insurance Agency provides leave management to businesses in Frederick, Rockville, Gaithersburg, Hagerstown, Columbia, Westminster, and surrounding areas.
Employers must monitor their employees’ absences. Leave management services will help track, report, and reduce expenses that arise due to employee absences. Everything from sick leave and vacation, to paid time off and military leave may be covered under a leave management policy.
At Adams Insurance Agency, we provide a number of leave management services:
- Tracking and reporting of leaves
- Managing employee absences
- Managing vacation
- Managing sick leave
- Paid time off
- And much more …
As an employer, the right leave management services policy will help keep your employees happy and your company running smoothly. Contact a representative at Adams Insurance Agency today to go over your options.
Loss Control Insurance
MINIMIZE RISKS TO KEEP YOUR BUSINESS RUNNING SMOOTHLY
Adams Insurance Agency provides loss prevention services to businesses in Frederick, Rockville, Gaithersburg, Hagerstown, Columbia, Westminster, and surrounding areas.
Risk management and loss prevention are crucial when it comes to running a business. Not only is it necessary for you to provide a safe work environment for your employees, it is also important to be prepared in the event an accident occurs in the workplace.
Keep your business risks to a minimum with loss control coverage from Adams Insurance Agency. We provide a number of loss control services, including but not limited to:
- Safety program development
- Safety training
- Customized loss prevention materials and risk management services
- And much more …
Adams Insurance Agency has your business covered; from healthcare practices to technology services, we provide industry- specific services to match your business’ needs. Our consultants are reliable and efficient in controlling and preventing the inherent risks that come with running a business.
Adams Insurance Agency representatives are here to help ensure that your business runs smoothly. Contact us today to set up a consultation.
Inland Marine Insurance
OFF-SITE PROTECTION FOR YOUR VALUED ASSETS
Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
At Adams Insurance Agency, we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we will protect certain items, such as:
- Transported Property
- Computer Equipment and Data
- Contractor’s Tools
- Buildings Under Construction
WHAT INLAND MARINE CAN DO FOR YOUR BUSINESS
No matter what business you are in, an accident can happen at any time. That is why it is important to have an Inland Marine policy from Adams Insurance Agency to provide your business with the appropriate coverage it needs during transit.
Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as Ocean Marine.
Contact an Inland Marine specialist at Adams Insurance Agency today to find out how your business can insure its most valuable assets while working or traveling off-site.
YOUR BUSINESS NEVER SLEEPS, PROTECT IT EVERY STEP OF THE WAY
Adams Insurance Agency provides marine insurance to businesses in Frederick, Rockville, Gaithersburg, Hagerstown, Columbia, Westminster, and surrounding areas.
Marine insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. Adams Insurance Agency proudly provides businesses of all sizes with the protection they need to run smoothly.
Our marine insurance options include, but are not limited to:
- Property insurance
- Loss control services
- General liability
- Umbrella coverage
Contact a representative at Adams Insurance Agency to set up a consultation.
In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.
At Adams Insurance Agency, we understand that mistakes happen. That is why we are committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.
WHAT DOES PROFESSIONAL LIABILITY COVER?
While it is important for your business to have general liability coverage for property damage and bodily injury, Adams Insurance Agency recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.
From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:
Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.
Directors and Officers Liability (D & O) – Having financial protection for your business’ Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.
Fiduciary Liability – Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.
Employment Practices Liability – With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.
Contact a representative with Adams Insurance Agency today to prevent mistakes and errors from becoming major losses for your business.
BACK YOUR OBLIGATIONS
Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.
At Adams Insurance Agency, we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.
TYPES OF SURETY BONDS
Adams Insurance Agency can write a variety of Surety Bonds including:
- Performance and Payment Bonds
- Contractor Bonds
- Sub-Division Bonds
- Court Bonds
- Conservator Bonds
- Fidelity Bonds
- Public Officials
- Liquor Licenses
Since there are many types of Surety products, it is important to discuss your options with a licensed, professional bond agent. Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.
Contact a Bond specialist at Adams Insurance Agency today to keep your commercial responsibilities protected.
KEEP YOUR EMPLOYEES PROTECTED
Adams Insurance Agency understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they are properly protected.
But should an accident happen, having the right Workers’ Compensation plan from Adams Insurance Agency can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.
Workers Compensation can cover financial obligations such as:
- An injured employee’s medical expenses/treatment
- The replacement of lost wages from injury time off
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That is why it is important to discuss your options with a specialist at Adams Insurance Agency who can help you find the right coverage options for all your business needs.