Whether you’re opening a storefront in Annapolis, managing a small team in Edgewater, or operating a growing business across state lines, having the right insurance coverage is key. At Deale & Associates Insurance Agency, we help business owners in Maryland, Virginia, Delaware, and Florida understand the differences between general liability insurance and a Business Owners Policy (BOP)—and choose the option that offers the best protection for their operations
What Is General Liability Insurance?
General liability insurance protects your business from common risks like customer injuries, property damage, and lawsuits. It’s foundational coverage for businesses that interact with the public—whether in-person or online.
Typical claims covered include:
- Slip-and-fall accidents at your storefront
- Damaged property during service calls
- Advertising-related legal claims
- Medical or legal expenses tied to third-party injuries
It’s essential coverage for small businesses in Maryland and throughout the Mid-Atlantic. However, it doesn’t protect your own business property or income losses. That’s where a BOP comes in.
What Is a Business Owners Policy (BOP)?
A Business Owners Policy bundles general liability coverage with commercial property insurance—and often includes business interruption insurance. It’s ideal for small to mid-sized businesses in Maryland, Virginia, Delaware, and Florida that want broad protection in one affordable policy.
A BOP may include:
- Protection for your building, furniture, and equipment
- Coverage for tools, inventory, and physical assets
- Business income insurance for temporary shutdowns
- Built-in general liability protection
It’s especially useful for retail shops, offices, contractors, or businesses that lease or own space.
Who Should Consider Each Option?
Choose General Liability Insurance if you:
- Work independently or remotely (e.g., consultants, freelancers)
- Provide professional services without owning a physical location
- Need basic legal protection without insuring property
Choose a BOP if you:
- Operate out of a brick-and-mortar location in Maryland or neighboring states
- Own tools, inventory, or equipment
- Want to simplify your insurance with one bundled plan
- Need business income protection after a disruption
Local Expertise. Multi-State Support.
As a locally owned agency based in Annapolis and licensed in Maryland, Virginia, Delaware, and Florida, Deale & Associates Insurance Agency offers both local guidance and regional reach. Whether you run a small shop in Anne Arundel County or service clients across multiple states, we tailor commercial insurance packages that reflect your real-world risks.
Our long-standing reputation for honest advice and responsive service means you get more than a policy—you get a partner who understands your business.
Get the Coverage That Fits Your Business
Choosing between a general liability policy and a Business Owners Policy doesn’t have to be confusing. We’ll help you compare your options and build the coverage that protects your business now—and supports your growth tomorrow.
Ready to find the right fit? Let’s talk coverage today.
