Commercial Insurance:

Commercial Casualty
Provides premises and operations liability coverage, products and completed operations coverage, and personal and advertising injury coverage. Premises and operations liability relates to doing operations at an insured location and on the job. Products and completed operations liability is the liability exposure of the insured whose work may cause injury. Personal Injury relates to injury caused by false arrest, invasion of privacy, and malicious prosecution. Advertising injury includes copyright infringement, liable, slander or misappropriation of advertising ideas. The commercial liability policy gives no guarantee of the insured’s product or work but covers the damage that the insured is liable.

Worker’s Compensation Insurance
Required by our state, Workers Compensation insurance is a necessary coverage. This coverage provides medical, indemnity, rehabilitation and death benefits for insured workers injured on the job. Many of our companies facilitate loss prevention experts that can work with you to help prevent and reduce accidents.  Commercial Auto
Whether it is the owner or employees driving businesses automobiles, there are liability risks and the risk of damaging your own auto. For that reason, it is important that you have proper insurance coverage in place to fit the needs of your business. We represent a large variety of insurance companies. Our representatives will review your coverage needs to make sure your businesses vehicles and and your liability is protected.

Commercial Umbrella
Every insurance policy has limits. In the unfortunate event that you are liable for one loss greater than the amount of your insurance limits or you have had multiple losses exhausting your liability limits, it is good to have an Umbrella policy in place. The Umbrella policy provides excess coverage over your primary policies. As a general rule, if there is coverage for a loss under your underlying liability policy, there will likely be coverage under your Umbrella. The Umbrella is a sort of safe net or blanket of coverage. It provides the policy holder with higher limits and more comprehensive coverage than if the insured has underlying policies only.

Other Available Coverages
Other business coverages offered by Bay Area Insurance Agency include: Construction bonds, Ocean Marine, Crime, Farm Insurance, Business Owners Coverage, Environmental Coverages, Directors and Officers, Errors and Omissions, Employee Practices Liability Insurance, Business Income and Extra Expense Coverage, and Commercial Excess or Umbrella Liability coverages, among many others. If you are interested in purchasing one of these policies or you just want to learn more contact your agent.

Commercial Property
This coverage protects against damage to buildings and contents for covered causes of loss.

Inland Marine
Type of property coverage for scheduled or blanket property that is being transported.

Personal Insurance:

Auto
Driving an automobile involves liability risks as well as the risk of damaging your own auto. For that reason, it is important that you have proper insurance coverage in place to fit your needs. At Bay Area, we represent a large variety of insurance companies. Our representatives will review your coverage and see which one of our markets best fits you based upon coverage and price. We also offer insurance on Recreation Vehicles and Motorcycles.

Home
At Bay Area, we know how important your home is to you. We represent a large variety of personal insurance carriers to cater to your specific needs and wants. Your home may be one of the biggest investments you make. Our representatives will work with you to write a policy that will protect your home and valuables at a reasonable price. Whether you need to protect your home or protect your things, the professional staff at Bay Area can help. For further discounts, ask a representative about putting your home and auto insurance in a package with one carrier.

Boat/Yacht
Boating is the most popular pastime in the Annapolis/Chesapeake area. At Bay Area, we offer a range of boat/yacht insurance to fit most vessels. Give us a call and see what we can do for your watercraft.

Umbrella
Every insurance policy has limits. In the unfortunate event that you are liable for one loss greater than the amount of your insurance limits or you have had multiple losses exhausting your liability limits, it is good to have an Umbrella policy in place. The Umbrella policy provides excess coverage over your primary policies. It is written to follow, on the most part, the primary policy. As a general rule, if there is coverage for a loss under your underlying liability policy, there will likely be coverage under your Umbrella. The Umbrella is a sort of safe net or blanket of coverage. It provides the policy holder with higher limits and more comprehensive coverage than if the insured has underlying policies only. If you are interested in a personal Umbrella policy, please contact your service representative today to talk about your options.

Life/Health Insurance:

Health Insurance                Need Group or Individual medical/dental insurance?…the Health Insurance specialists at Bay Area are ready to assist you. Employer groups from two employees to two hundred employees, with carrier options including CareFirst, Coventry, UHC/MAMSI, DentaQuest, and Guardian to name a few. Uninsurable with no employer group option available? We can assist you in applying for individual coverage under MHIP.

Life Insurance                      Life insurance is important at every life stage. Whether your life insurance need is for term or permanent insurance, business or personal, the Life Insurance specialists at Bay Area can assist in finding the right product solution from our broad carrier portfolio.

      One in five Americans will become temporarily or permanently disabled at some point in their life. Is your income protected? The Bay Area Life/Health specialists can assist you in protecting this most important asset. We have individual income protection products as well as employer sponsored group products to meet the diverse needs of our clients. Are you a business owner/partner? Have you funded the disability buy out section of your partnership agreement? We have the resources to assist you.

Retirement Plans               Keep your employees longer.  Companies with retirement plans have much greater employee retention.  You may be surprised at how easy and cost effective they can be.  At Bay Area we can help you design the plan that is right for your company.

Long Term Care Insurance  You have worked hard all your life and saved diligently for retirement. Then, the unexpected happens, you become ill and require extended home health care or even facility care. A year in a long term care facility can easily exhaust the savings of a middle income couple. A well-planned Long Term Care policy can offset the financial impact of this type of unexpected need for care and protect your savings for future use. Business owners can often let the business absorb the cost of such a policy, and we at Bay Area have the resources to assist you.Disability Insurance