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BUSINESS
Business Insurance
Business owners in Harford and Cecil County can rest assured knowing there is a local, independent agent nearby able to access and customize insurance plans
to meet the needs of your specific industry and situation. With over 56+ years in business, we have helped hundreds of businesses throughout the Chesapeake Bay Area.
Types of businesses we have helped:
Types of businesses we have helped:
- Retail Shops
- Contractors
- Professional Services
- Property Owners
- Restaurants
- Non Profits
- Associations
- New Businesses
- Manufacturers
General Liability
- Businesses, whether small or large, must have protection against injury or damage claims. Liability protection will offer you peace-of-mind in an age of multi-million dollar lawsuits. As a business you are liable for accidents, mistakes or injury in which you or your employees may be involved. Commercial general liability helps your business by providing defense costs, covering damages, awards and legal expenses
Property Insurance
- Property insurance covers the risk of property loss, either directly or indirectly, to commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Crime
- No business is immune to crime losses, and in the age of computers fraud is a very real threat. Talk to one of our knowledgeable agents today to find out how you can protect your business from the risk of fraud and other crimes.
Equipment Insurance
- Most standard property insurance policies do not include the off-premises protection for your businesses equipment. By insuring your equipment, you are ensuring that your business will run smoothly on a day-to-day basis no matter what the unexpected brings. Protect your investment in equipment with business equipment insurance which protects items that are not generally confined to one location, like laptops, computers, mobile equipment, telephones and electrical systems
Business Auto Insurance
- Business Automobile Coverage insures vehicles that are owned, leased, hired or borrowed. From private passenger automobiles to trucks and trailers of any size – from one car to a fleet of various commercial vehicles, Lassen, Marine & Webster will fulfill your Business Auto needs.
Workers' Compensation
- Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. We provide you with complete details on workers’ compensation, and recommend cost-effective ways to control expenses through safety engineering and claim services.
Business Owners Package (BOP)- Depending on your industry, your business may qualify for a business owners package. The BOP is a designed combine all major property and liability risks into one single policy. There are robust property enhancement forms which extend your policy to cover various relevant perils that your business might experience such as business income, spoilage, money and securities, off-premises power failure, sign coverage, water backup, and much more. BOP policies also offer liability enhancements which can provide contractual items such as automatic additional insured status, primary and non-contributory, waiver of subrogation, and more.
Professional Liability Insurance
- Contractors, IT service companies, heating and air conditioning professionals and even marketing agencies need protection from negligence arising out of their particular services. Through specialized insurance companies, we offer coverage for lawsuits associated with employment practices, errors and omissions and many other types of professional liability, including network security and unprotected patents.
Umbrella
- Umbrella insurance for businesses provides additional protection in the event that your business exceeds its insurance limits on an underlying policy. Avoid financially devastating losses due to liability claims and lawsuits by purchasing extra protection on your business today.
Flood Insurance
- Don’t let flood insurance be an afterthought for your businesses. In the Chesapeake Bay area, it is a necessary addition to your existing property insurance.
Special Events
- When planning your next special event, prepare for what can happen in the event Mother Nature decides to crash your party. Lassen, Marine & Webster can provide you with special event insurance which provides liability protection for individuals and companies hosting fundraisers, meetings, or other corporate occasions.
Bonds - Bonding insurance allows businesses to protect themselves against liabilities resulting from routine work. Protect your business against financial loss by safeguarding valuables, employees and assets against high-risk situations. In some cases, businesses are required by law or mandated by the state to carry surety or fidelity bonds.