Ross Insurance Agency

A BOP is designed specifically for small businesses. These policies have fewer exclusions and limitations than typical general liability policies. Most BOPs will not require proof of financial responsibility.

An umbrella policy adds extra layers of protection above what your primary policy covers. It generally has a $5 million limit per incident, plus expenses incurred defending claims against the underlying policy. Umbrella policies also provide broader coverage than most standard general liability policies.

Includes physical loss or damage to tangible property resulting from an accident or occurrence. PD usually applies only when someone causes direct physical harm to your building or contents. However, this coverage often extends to indirect losses such as lost profits due to downtime.

Provides protection for injured workers and compensation benefits for those whose injuries occur while performing duties related to employment. Also provides medical care and other employee welfare benefit programs.

Covers autos used in connection with your business operations including trucks, vans, trailers, etc., as well as non-owned vehicles owned by employees who use them on company business.

Protects businesses from liability arising from bodily injury or property damage caused by an insured person or organization. This includes legal defense costs if sued over such incidents.

There's no one-size-fits-all answer here. But there are things you can do to save money without sacrificing quality. Here are three ways to cut down on premiums: 1) Shop around – Ask friends, family members, and colleagues for recommendations. They may know of another agent who offers competitive rates. Or maybe their current carrier doesn't meet all of your needs.   2) Get multiple quotes – Don't just take the first quote you get. Compare them side-by-side so you can see where you stand compared to competitors. 3) Consider bundling services – For example, some carriers offer discounts if you bundle home office equipment like fax machines and copiers into a single package. Other companies give special deals to businesses that buy together.

The average cost of small business insurance depends largely upon how much risk a business takes. The more risky a business is, the higher the premium. A high deductible means lower monthly payments but could mean paying out large sums of money upfront. If a business isn't profitable enough to justify a high level of investment, then it might be better off with less expensive insurance than risk losing everything.

Business Liability Insurance protects a company from claims made by third parties against its employees, contractors, or others who are working on behalf of the company. It also covers legal costs incurred in defending lawsuits brought against it. How much does business liability coverage cost? The price depends on several factors including: • The type of policy • How many people work at the company • What kind of risks do they face

If you own a car, truck, or van that is used to transport goods and people in the course of doing business, then it’s important to have adequate coverage on this type of vehicle. Commercial auto insurance can protect against losses caused by accidents, theft, vandalism, fire, collision damage, and more. It also provides liability protection if someone gets injured while using your vehicle as well as medical payments benefits.

The term “provided” means that we are willing to accept liability on behalf of you or any person insured under this policy if such liability arises out of our failure to comply with the terms of this policy. This includes providing legal defense in court proceedings against you or others insured under this policy.

Many companies offer both employee benefits and employer benefits. These plans can be confusing because some don't always overlap. For example, many employers provide health care but not dental care. Some businesses have separate plans for each type of benefit. Your plan should explain what is covered by which part of the program. If there aren't clear answers, ask questions about how these parts interact with each other.

“Better driving behavior leads to safer roads.” But Peter Kochenburger, who teaches insurance law and regulation at the University of Connecticut, says the more likely potential short-term impact of UBI that allows for surcharges is a widening gap between the premiums applied to safe drivers and those charges to bad drivers. More data, better monitoring, and more sophisticated algorithms are allowing insurance companies to fine-tune and personalize their risk assessments a great deal.

Apps work the same as the plug-in device, but often require Bluetooth or location services to be turned on every time you drive.

Common data includes acceleration rate, drive speed, braking speed, and total miles driven.

As to whether or not you'll actually receive a discount from using a car insurance tracking device or app, that depends on how your insurance company defines “safe driving”.

Your driving is tracked for about 3 weeks by installing the Root app on your phone.

DriveEasy Up to 20% for signing up no discount or rewards for safe driving.

Decrease the number of miles you drive a year.

To be considered a “safe driver,” you must: Keep driving speeds under 80 mph. Avoid late-night driving. Avoid hard braking.

Drivewise works like a rewards program – the safer you drive, the more free stuff you earn.

While a telematic rewards program could give you a discount on your regular rate, a usage-based policy will create a rate formed around how well you drive.

They use “telematic” technology tracking your driving behavior with a mobile app or device that plugs into your car's diagnostic port to offer discounts and rewards, or to create a customized insurance rate.

If you're a good driver who likes the idea of getting car insurance discounts based on safe driving habits and low mileage, you might consider usage-based insurance programs or carriers.

Drivewise offers cash back and rewards for good driving, while Snapshot creates customized rates based on your driving habits.

In Maryland costs $89 per month, on average, or $1,069 per year. The average cost of car insurance in Maryland is 48% higher than the national average auto insurance premium, and Maryland ranks 43 out of 50 for the most affordable car insurance rates in the U.S.

There's enough to worry about after a car accident; filing an insurance claim should not be one of them. If you're ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage firsthand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you've been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road.

Yes, uninsured motorist coverage is required in Maryland. Drivers in Maryland must purchase at least $30,000 in uninsured motorist bodily injury coverage per person (up to $60,000 per accident), as well as $15,000 in uninsured motorist property damage insurance per accident. Additionally, Maryland drivers need $30,000 in underinsured motorist bodily injury coverage per person (up to $60,000 per accident) and $15,000 in underinsured motorist property damage insurance per accident. Uninsured/underinsured motorist insurance covers a driver's medical bills and repair costs after an accident if the at-fault driver doesn't have enough coverage to pay for the damage. Typically, a Maryland driver can collect damages from the at-fault driver's liability insurance. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That's where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company to pay your bills and get the repairs or treatment you need without waiting for the courts. Even though car insurance is required in Maryland, an average of 12% of drivers in the state don't have car insurance. Car accidents in Maryland can be costly, too. For example, fatal accidents in Maryland have a total cost of $690 million each year. As a result, uninsured motorist insurance is an intelligent investment for Maryland drivers.

Getting a car insurance quote is a relatively simple process, but there is some information you may want to have available. You will need the name, dates of birth, and driver's license numbers for all the drivers who need to be listed on the policy and the year, make, model, and vehicle identification number (VIN) for each vehicle. You may also be asked to provide Social Security numbers.

Drivers in Maryland can find cheap car insurance with "no deposit" or "no down payment," but all that means is you only have to pay the first month's premium to get coverage. You cannot obtain car insurance in Maryland without paying something upfront. But you can minimize the cost of coverage in Maryland, which ranks 40 for the cheapest car insurance rates in the country. The average monthly premium in Maryland is about $127 for full coverage and around $67 for state minimum coverage. Drivers in Maryland should expect to pay about that much in advance each month to keep their car insurance policy active. The biggest drawback of paying for auto insurance monthly is that it's almost always more expensive than paying in full for six or 12 months of coverage upfront. Some Maryland insurance companies charge slightly more for month-to-month premiums, and there can also be payment processing fees. Most car insurance companies also discount rates for customers who pay in advance. You can still find cheap car insurance options if you can't afford a big deposit, though. The best no-down-payment car insurance keeps rates low and only requires the first month's payment to start your policy.

Maryland is not considered a no-fault state, meaning damages after an accident is paid out through liability coverage. That said, the state does require drivers to carry a small amount of personal injury protection coverage, which is traditionally part of no-fault insurance systems.

If you get into an accident while driving without insurance in Maryland, you will be cited, and all the penalties for driving without insurance will apply, no matter who is at fault. Driving uninsured can make it difficult to be compensated for damages if you are not at fault and can have long-lasting and life-changing consequences if you are at fault. If the accident is your fault, you'll have to pay for all the damages out of your pocket. In addition to the legal consequences for driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, the other driver's repair and hospital bills, and your medical care. Both the other driver and their insurance company can sue you and have future wages and savings garnished to pay for damages. You could face mounting debt or even bankruptcy, especially if the other driver doesn't carry uninsured motorist coverage or personal injury protection. Even if the accident is not your fault, driving without insurance leaves you vulnerable to expensive hospital and repair bills. Maryland is an at-fault state. In at-fault states, the other driver is usually responsible for damage to your car and any medical treatment you may need assuming the other driver is found entirely at fault. Maryland uses a pure contributory negligence system, which means you may not be able to recover all the costs associated with the accident if you are found partially responsible for causing it. Driving uninsured doesn't negate the other driver's fault entirely. Still, you're almost certainly going to be penalized and unable to recover everything you would be entitled to if you had insurance.

Car insurance in Maryland is expensive because minimum liability requirements are so high, and both personal injury protection and uninsured motorist coverage are required. In Maryland, you can expect to pay approximately $1,518 per year for full coverage car insurance or $800 per year for minimum coverage. Car insurance in Maryland is more expensive than the national average, which is around $1,500 annually for full coverage and about $600 per year for minimum coverage. The cost of car insurance is steadily increasing, too, both in Maryland and nationwide. As the cost of providing insurance goes up, the premiums insurers charge also rise. All insured drivers share the increasing cost of insurance. That is why your rates tend to go up every time your policy is renewed, regardless of whether any individual factors like your driving record or location have changed. There are several unique reasons why car insurance goes up every year in Maryland, too, even if your details remain the same.

Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they follow the guidelines agreed to within your policy documents, they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not. Sorry to hear you were in an accident. First, the only people who can determine fault in an accident are insurance companies through their insurance adjusters

As the 35th state to allow electronic insurance cards, Maryland permits drivers to show evidence of insurance on their mobile devices when asked for proof of coverage by a law enforcement officer. Drivers may still use paper cards if desired.

At any time! Making changes to your policy shouldn't be difficult. You can log into Getrossinsurance.com.

You need $30,000 in bodily injury liability insurance per person ($60,000 per accident) plus $15,000 in property damage liability insurance to drive legally in Maryland. The Maryland liability insurance requirements can also be written as 30/60/15. In addition, drivers in Maryland will need to purchase uninsured/underinsured motorist coverage equal to the minimum liability limits to satisfy the state's minimum car insurance requirements. Even though Maryland only requires 30/60/15 in liability insurance, drivers should consider buying more coverage if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference. And no matter what, you should be sure to fulfill the minimum Maryland car insurance requirements to avoid facing the consequences of driving without insurance. Finally, drivers should also consider purchasing other types of car insurance to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's injuries or property. For instance, collision insurance covers damage to the policyholder's car regardless of fault. And comprehensive insurance pays if the policyholder's vehicle is damaged by something besides an accident, like a natural disaster or vandalism.

The best way to get the cheapest car insurance in Maryland and save on your auto insurance premium is to compare quotes from all companies in your area. Use an independent insurance agent comparison site like www.getrossinsurance.com to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate significantly based on whether you're a safe driver or a high-risk one, but you should never overpay.

The average cost of auto insurance in the U.S. per year is $565 for minimum liability coverage and $1,674 for full coverage insurance. Drivers in Maryland pay more, with average annual premiums of $767 for minimum coverage and $1,877 for full coverage. However, the cost of auto insurance premiums varies depending on multiple factors. Your premium may be higher or lower than the average premiums.

Various unique factors affect the annual premiums of car insurance in Maryland. MoneyGeek calculated the typical cost of comprehensive and collision coverage for the average driver, a 40-year-old male driving a Toyota Camry with a clean record. Your annual premium can be lower or higher than these Maryland averages due to your age, history, credit score, location, and coverage level. Average Driver: $2,127 DUI: $3,178 Speeding Ticket: $2,506 Poor Credit Score: $3,343 Seniors: $2,298 Students: $5,086

You can get car insurance discounts in Maryland based on how you drive, the car you own, and your relationship with your insurance company. In Maryland, car insurance companies can consider factors like employment, residential, and marital status when setting premiums. That means there are also discounts available for being married, owning a home, or being affiliated with certain employers or educational institutions. Almost anyone can get a discount on car insurance in Maryland because most insurance companies make it easy to qualify for various savings. Maryland insurers typically offer discounts that fall into three categories policy discounts, driver discounts, and vehicle discounts. Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Maryland drivers can save by registering for paperless billing or getting home and auto policies from the same company. Driver discounts are available to Maryland residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.

High-risk auto insurance in Maryland will not be cheap, as premiums for high-risk policies in the state average $2,583 per year. That's about 59% more than the average cost of car insurance in Maryland overall. Nevertheless, high-risk drivers in Maryland should still find suitable car insurance options after comparison shopping. Drivers defined as high-risk typically have a history of serious driving violations and face higher rates because they are statistically more likely to cost insurers than the average driver. For this reason, many insurance companies won't even sell coverage to high-risk drivers. However, other insurers specialize in high-risk coverage, so drivers with a checkered record have options. The best high-risk auto insurance companies in Maryland are Travelers, Geico, Progressive because they are financially strong and have few customer complaints. Deficiencies in either area could be a sign you'll have difficulty getting payouts if you need to file a claim. Some of the most common complaints about car insurance companies concern denials, low settlements, and delays in processing claims. These companies also tend to be among the most affordable in Maryland for high-risk drivers, but you should always shop around to compare rates.

The penalties for driving without insurance in Maryland include fines, suspension of registration, and imprisonment. You can avoid these consequences by meeting Maryland's proof of financial responsibility requirements. Maryland requires that all drivers have at least $30,000 personal bodily injury/, $60,000 all bodily injury/, $15,000 property damage, personal injury protection, and uninsured/underinsured motorist coverage. Purchasing Maryland's minimum liability car insurance coverage is the easiest way to satisfy the financial responsibility requirement. Drivers in Maryland pay an average of $1,077 per year to maintain the minimum amount of coverage. That's nothing compared to the consequences of driving without insurance, especially if you get into an accident.

If you want to find cheap car insurance coverage in Maryland, we have a few tips for you. Call a Ross Insurance Agency agent. Below are some tips for the DIY Comparison shop: We always recommend getting a minimum of three auto insurance quotes. This shopping process helps you find the best deal. Don't be afraid to shop periodically to make sure you are still with the best provider. Look at discounts: Each company has its list of available deals. Make sure you get everything you qualify for. Consider the car you insure: Some vehicles cost more to insure, while some models are the cheapest cars for insurance. Before you buy a car, get a quote to see where it will stand. Work on your credit: Having good credit gets you a lower rate because you are responsible. Pay your bills on time and improve your credit score. Play with policy terms: Change the deductible and coverage limits to see if you can find a better rate. Just don't alter the policy in a way that will hurt you after an accident. It might take you an hour to get all of the rates you want, but it will be well worth it when you see the savings you have been missing. Call our team at or use the tool below to collect and compare auto insurance quotes from providers available in your state:

A driver's license in Maryland requires a specific financial responsibility showing; usually, people show this responsibility by holding a car insurance policy. Each state has minimum requirements for car insurance. In Maryland, those minimum levels are: Body Injury Liability: $30,000 for one person; $60,000 total for two or more people Property Damage Liability: $15,000 per accident Uninsured Motorist Coverage: $30,000 for one person; $60,000 for all injuries per accident; $15,000 in property damage. Underinsured motorist: covered under uninsured motorist. Personal Injury Protection: $2,500 For more information on different types of coverage, check out our liability coverage page. Medical payments, collision insurance, and comprehensive coverage (other than collision) are not required in Maryland. Just because they aren't required doesn't mean they aren't a good idea. Sometimes, the cost of an accident is far greater than minimum coverage requirements. Additional coverage may be beneficial in the long run. See our Auto Insurance Guides for more information.

The average driver pays $2,127 per year or about $177 per month for car insurance coverage in Maryland.

Maryland allows insurers to consider your credit score when determining your insurance premium, with some limitations. A poor credit score or history can significantly increase how much you pay for a new policy, but a drop in your score cannot be used to increase your premium once it has been established. Is there any way I can reduce the cost of my Maryland car insurance? Yes, Maryland offers discounts to good drivers. A good driver is typically one who has not had any traffic accidents or violations in the past three years. Other typical discounts include: Safety Devices Accident-Free Anti-Theft Devices Multiple Policies Good Student Driver Education Course Completion Employee or Membership Discounts Home Ownership Multi-Car

Not in Maryland. State law prohibits insurers from increasing rates based on credit history and sets parameters around how insurance companies score customers' credit.

We reviewed all of the top auto insurance companies in Maryland and found that Safeco Insurance has the best drivers with a minimum coverage rate of $591. Cheapest for minimum liability To get your lowest rates, you should compare quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city. Cheapest car insurance by city Minimum requirements