Business Auto / Commercial Vehicle Insurance in MD, VA

Covering your business auto and other commercial vehicles against losses is an important part of your business insurance portfolio.  Many variations and options exist to assure that you have the right coverage for your vehicles for your particular operation. Here in Rockville, Maryland (Montgomery County), at the Daniel Howley Insurance Agency,  we know the guidelines for your state, and we can help you sort out the options and create a policy that perfectly fits your needs. Typically, your commercial auto insurance policy will carry the same basic coverages that you carry on your personal vehicle insurance. 

Commercial Auto Coverages Usually Include:

• Comprehensive coverage – pays for theft or damage to your car caused by something other than a collision.
• Collision coverage – pays for damage to your business automobile during an accident.
• Liability coverage – covers damage that you cause to someone else’s vehicle or property.
• Personal injury protection – pays for injuries to you and your passengers and can cover lost wages, medical payments and even funeral expenses.
• Uninsured/Underinsured motorist coverage – further pays when an at-fault driver’s insurance is not sufficient to cover your loss.

Even though the basic coverages are much the same as your personal auto coverages, a policy for business vehicles differs in many important ways; and there are many possible variations and options, depending upon your business circumstances and needs.

For business-owned vehicles, it is important to show the name of the business on the commercial auto insurance policy as the ‘principal insured’, especially if you use the car for both business and personal transportation.  By doing so, if someone files a claim against you or you must file a claim, there will be no confusion.

With the many options and variations you have to consider for business vehicle coverage, you will find that the experienced representatives a the Daniel Howley Insurance Agency  can make the process of purchasing commercial auto insurance an easy one if you do business in Maryland (MD) or Virginia (VA).  So contact us today to discuss your needs.

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action.

Business Excess Liability (Umbrella) Insurance for MD, VA Business

No matter how well you plan, accidents can still occur; and depending on the circumstances, the resultant claims against your business can far exceed your planned coverages. When this happens, it can put your entire business at risk unless you have an ‘umbrella’ for protection.

Here at the Daniel Howley Insurance Agency in Rockville, Maryland (Montgomery County) we will look at your current business liability insurance coverages and help you decide on the right path whether you are located in Maryland (MD) or Virginia (VA).

What is Business Umbrella Insurance Coverage?

Business catastrophe liability insurance is sometimes referred to as 'business excess liability' or  ‘business umbrella’ insurance.  This insurance adds an additional one million dollars or more beyond the amounts available in your company’s present policies for auto and other liability, and it stipulates certain levels of coverage on your company’s various primary insurance policies.

Already have Umbrella Coverage for your business? 

Why not sit down with an experienced insurance agent for a no-obligation policy review to assure that you are getting the best rates for the coverage you need for Maryland (MD) or Virginia (VA)?

Don't Yet Have Umbrella Insurance?

If you don't yet have umbrella coverage for catastrophe and excess liability protection, why not speak to our representatives here in Rockville at the Daniel Howley Insurance Agency today to arrange for that extra umbrella over your business? 

Just contact us to learn how to get started.

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action.

Is General Liability Insurance Just for Contractors?

A wide range of businesses would benefit from General Liability coverage, including contractors.  Here in Rockville, MD, at the Daniel Howley Insurance Agency, we have helped many business owners in Maryland (MD) and Virginia (VA) to have the protection they need.

If you are a contractor, whether your specialty is Electrical Wiring, HVAC, Lawncare, Carpentry  or something similar, you need liability insurance coverage that follows you and your employees to your job sites.  General Liability protection which includes Bodily Injury and Property Damage protection is likely the right fit for your business on-the-go. 

General Liability Insurance may include the following coverages:

• Premises & Operation – for claims arising from your insured location (owned, leased, or rented) and the work operation or services you provide to your customers
• Products and Completed Operations – for claims arising from the product you have manufactured or the work you have completed

In addition to general liability protection, you may also want to consider...

• Equipment & tool coverage – you need to protect the tools and equipment essential to your business. 
• Builders Risk & Installation Floater coverage – protection for the building under construction or building materials before they are installed and become part of your client’s structure. 

Whether you are new to your business or a seasoned business owner, you will find answers and assistance are just a phone call or e-mail away when you rely on the experienced representatives at the Daniel Howley Insurance Agency. We can help you assess your needs and your options.  So contact us to get the protection you need today. 

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action.