That’s why it’s critical to make sure your insurance company is keeping pace with your growth. No business owner wants to discover a coverage gap after an incident has occurred. So, take a step back and ask: Is my business insurance still working as hard as I am?

In Annapolis and Frederick, MD, spring is an economic uptick. Tourists arrive, farmers’ markets reopen, outdoor events ramp up, and businesses of all types see increased foot traffic and revenue.

This growth brings risk factors that your current coverage may not address:

1. Hiring seasonal staff may increase your liability or workers’ compensation exposure.

3. More customer traffic means greater potential for accidents or property damage.

4. Pop-up events or off-site operations can fall outside your standard business policy.

Partnering with a reliable insurance company ensures you’re not just protected from your current risks, but also from the ones that come with new ventures.

When you experience business growth, your insurance policy needs to grow with you. Here are key areas where your insurance company should be proactively advising and protecting your business:

1. Flexible Coverage Options. A quality insurance company will offer scalable policies that adjust as your business grows. *** Whether you’re a boutique shop in downtown Frederick expanding into online sales or a marine repair business in Annapolis gearing up for boating season, your coverage should evolve with your operations.

Look for customizable coverage options such as:

• Business Owner’s Policy (BOP) updates
• Equipment breakdown insurance
• Commercial auto coverage for delivery services or mobile units
• Cyber liability insurance for new e-commerce ventures

2. Clear Communication and Local Knowledge. Local expertise makes a big difference. Your insurance company should understand the specific risks and opportunities of doing business in Annapolis and Frederick. From flood risks on the Chesapeake Bay to seasonal event liability during Frederick’s festival season, your insurance provider should be familiar with what’s unique to your location. At Lindquist Insurance, we live and work in Maryland. We know how to tailor policies that fit your zip code and your industry.

3. Responsive Claims and Support. Business growth is fast-paced. When something goes wrong such as a slip-and-fall incident or storm damage to your storefront, you need an insurance company that responds quickly and efficiently.

Your provider should offer:

• 24/7 claims support
• A dedicated local agent
• Fast turnaround times for claims processing
• Clear guidance on documentation and steps

Consider a few real-life examples that apply directly to businesses in our area:

• A restaurant in Annapolis adds outdoor seating for the spring rush. Are you covered for outdoor liability and seasonal workers?
• A retail shop in Frederick participates in First Saturday events, selling goods off-premises. Does your policy extend to off-site sales?
• A landscaping company in Anne Arundel County hires additional trucks and drivers. Is your commercial auto policy up to date?

At Lindquist Insurance, we offer personal, proactive service that keeps you focused on growth, not guesswork. Whether you're expanding, hiring, or just refreshing for the season, we’re here to ensure your business is covered from every angle. Call us today at (301) 694-0008 or visit www.lindquistinsurance.com to schedule your Spring Business Insurance Checkup. 

We serve the Annapolis and Frederick, MD area. 

*** For more information about Maryland Business Insurance, visit the Business Express Government of Maryland website.