Business Liability Insurance in PA and MD
Protecting your business assets, employees, and operations with custom liability coverage designed for Pennsylvania and Maryland business owners
A single slip-and-fall, a damaged client property, or an unhappy customer's lawsuit can threaten a business you've spent years building — often when you least expect it. At Kelly Glass Insurance, we work with Pennsylvania and Maryland business owners to understand exactly where their liability exposure sits, then match them with the right coverage from carriers we trust. It's part of focusing on you and your business, not just selling a policy.
Coverage that works for you
- Bodily Injury Liability: Covers costs if a customer slips and falls on your property.
- Property Damage Liability: Covers costs if you or an employee accidentally damage a client's property or home while on the job.
- Product Liability: Protects your business if a product you manufacture or sell causes injury or harm.
- Personal & Advertising Injury: Protects you against claims of slander, libel, or copyright infringement in your marketing.
- Medical Payments: Covers minor medical expenses for a third party injured on your premises, regardless of fault.
Not every business needs every coverage — that's what a real conversation is for.
Frequently Asked Questions About Business Liability Insurance
Do I need business liability insurance if I operate a home-based business in PA or MD?
Yes. Many small business owners mistakenly believe their homeowners' insurance policy covers business activities. In Pennsylvania and Maryland, standard homeowners policies specifically exclude coverage for business-related injuries (like a client tripping on your porch) or business equipment damage. A dedicated commercial general liability policy ensures your personal assets remain completely insulated from your business operations.
What is the difference between General Liability and Professional Liability (E&O)?
General Liability covers physical accidents, such as bodily injury or property damage caused by your day-to-day operations. Professional Liability (also known as Errors & Omissions) covers financial losses resulting from mistakes, negligence, or bad advice given during your professional services. For example, if a contractor drops a tool and breaks a client's floor, General Liability covers it. If an accountant makes a mathematical error that costs a client thousands in IRS penalties, Professional Liability covers it.
How much business liability insurance coverage do I need?
While the state laws in Pennsylvania and Maryland don’t mandate a specific general liability dollar limit for all businesses, most commercial clients, landlords, and government entities will require you to carry at least a $1,000,000 per occurrence / $2,000,000 aggregate policy before signing a contract. We evaluate your industry, risk exposure, and contract requirements to tailor a limit that keeps you fully safe without overpaying.
Does General Liability cover injuries to my employees?
No. General Liability insurance only covers third-party claims (customers, vendors, or delivery drivers). If an employee gets injured on the job while working for your Pennsylvania or Maryland business, it is covered exclusively under Workers' Compensation Insurance, which is a separate mandatory state requirement for businesses with employees.
What is a Business Owner’s Policy (BOP) and should I get one?
A Business Owner's Policy (BOP) is a bundled package specifically designed for small-to-medium businesses. It combines General Liability insurance with Commercial Property insurance (protecting your building, tools, or office equipment) into a single, more manageable policy. For many small businesses, a BOP is a simpler way to stay protected without juggling separate policies — we can help you decide if it's the right fit for your operation.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA — and we understand what it takes to run a business here.
- "Focusing on You" Reviews: You're a person with a business, not a policy number. As you hire, grow, add a location, or take on new risk, we sit down with you to review your coverage and catch gaps before they become a problem.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in business liability coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your business and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.