We Sell Maryland Farm Insurance

February 6, 2020February 6, 2020 / Nadja Maril / Leave a comment

Whether your farm is large or small, you’ll want to protect your investment with the right kind of farm insurance.

Standard coverages available under a farm policy include property damage coverage and liability coverage.

Property damage coverage protects your farmhouse, outbuildings or household belongings if they are damaged or destroyed by the unexpected consequences of a fire, hail storm or tornado .
Liability coverage pays for damages if you unintentionally cause injury to another person, or if you unintentionally cause another person’s property to be damaged or destroyed .

Farm machinery, crops, livestock– can all be insured in a number of different ways.

IF you have employees working on your farm, you may need to purchase workers’ compensation coverage . To be certain you obtain proper coverage and an accurate quote, you should have a list of all your employees, their titles and a description of the work they perform, as well as the number of hours they work and the wages they earn, with a summary reflecting the total number of employees and the total payroll .

More and more farmers are turning to agri-tourism. If your business includes these types of operations, make certain you have the appropriate type of insurance and the appropriate amount of liability coverage to protect you in the event someone becomes sick or injured while on your property .

If you operate businesses at your farm, including a farm stand, hayrides, pumpkin patches or corn mazes or you host events such as parties or weddings– you may need a business policy as opposed to a farmowners policy . If you sell particular products, such as jams, pies, fruits or vegetables, consider purchasing a policy to provide you with product liability coverage . The best way to be certain you have the proper insurance in place and to protect yourself against losses before they happen is to have your insurance agent walk around with you to inspect it and discuss in detail your farm operations .

Remember it is important to conduct periodic self-assessments to evaluate any safety risks. Your insurance agent can help provide the professional resources to help you assess risk.

Today’s farmers and agri-business owners need a suite of insurance products designed to protect their hard-earned investments. At Crilly Insurance, we can provide the coverages you need.

We can provide you with affordable Farm Insurance solutions. Call us at 410-571-1771 for a full evaluation of your Farm Insurance needs.

David L. Smith Part of the Crilly Insurance Team

January 24, 2020January 24, 2020 / Nadja Maril / Leave a comment

When the Crilly Agency based in Anne Arundel County acquired the David A. Smith Nationwide Agency located in Catonsville at 922 Frederick Road, they also gained several valuable employees. One of them is David L. Smith. David has been an insurance professional for over 27 years. He joined the Crilly Agency in 2019 when the David A. Smith Agency became part of Peter B. Crilly & Associates Ltd. David considers the most important aspect of his job to be listening to customers. “Whether it’s auto insurance, homeowner’s insurance, life insurance, commercial insurance, or a 401k/IRA account, I take pride,” he says, “In alleviating my client’s concerns by showing them how to protect themselves through our large selection of insurance products.”

A Commercial Line Coverage Specialist (CLCS), he holds licenses in property & casualty, Life & health, and Financial products( Series 6). “Each case is completely different,” he explains when describing his attraction to selling commercial policies. “I like the challenge of finding the best coverage for each client.”

When it comes to buying insurance, David would like customers to know that the key to success is finding an agent who is willing to take the time to understand your situation, explain how best to cover your needs and to implement cost-effective coverage that meets or exceeds your expectations. Even after a policy is purchased, a good agent will continue to monitor the policy status and be prepared to offer new products when appropriate.

A Baltimore native, David with his wife Karen and their two sons reside in Ellicott City, which David loves for its family-friendly atmosphere. David is a devoted Howard County softball player as well as an umpire for adult Softball and Kickball leagues. A Dallas Cowboys season ticket hold and super fan, he also collects classic (1992-present) pinball machines.

DOES YOUR SMALL BUSINESS NEED LIABILITY INSURANCE?

May 13, 2019 / Nadja Maril / Leave a comment

Owning your own business is an exciting responsibility. You have the freedom to take your business in whatever direction you’d like to take; but in order to get there it’s important to protect your hard work.

There’s a lot to keep track of—making payroll, employee retention, building your brand, and expanding client base. But one thing you don’t want to forget about, is purchasing the liability insurance you need when you need it.

What should you look for? Here are some important points to consider when purchasing small business liability insurance.

Do You Have Employees?

If your small business has employees, you could be responsible for the actions they take. Even if you do everything right, your business could be sued if one of your workers injures a client or causes an accident.

Having the correct liability insurance policy can protect you from the actions of your employees. As the employer, the ultimate responsibility falls on you, and without the right insurance, you could find yourself on the wrong side of a costly judgment.

Who is Doing the Driving?

If your business requires travel, you will need to make sure you are protected from liability. Keep in mind that your personal automobile insurance policy may not cover you for business travel. If you have an accident you could face enormous costs.

A commercial auto insurance policy provides protection for business driving. In some cases, you may be able to add this coverage to your existing automobile insurance policy. In other cases, it may make more sense to purchase coverage elsewhere. No matter what the case, it is important to protect yourself during your business travels.

Running a small business is hard, and it is important to protect yourself. Simply owning a small business could put you in the crosshairs for nuisance lawsuits and costly litigation, but taking proactive measures and having the right insurance coverage in place means you can spend less time worrying and more time building your business.

How Vulnerable is Your Business to Lawsuits?

Not every small business faces the same threat of lawsuits, so it is important to assess your own situation. If you run your business out of your home and serve your clients remotely, the risk of injury-related lawsuits is probably pretty low. If, on the other hand, you see a steady stream of visitors and customers, your liability risk goes up exponentially.

Some kinds of businesses, like sports training and healthcare, are also more likely to be sued. If you run a particularly risky type of business, a quality liability policy is an absolute must.

Do You Own or Rent Property?

In many cases, business insurance will be required when signing a commercial lease. If you plan to lease space for your business either now or in the future, having a general liability and property insurance policy in place will make the process easier.

Many commercial landlords require this type of insurance, and not having a policy on place could scuttle your plans and hold back your growth. Even if you do not currently lease office space, you never know when you might need it.

At Peter B. Crilly & Associates, protecting your business is our priority. Call us at 410-571-1771 or Contact us at GasconK@nationwide.com

Cyber Insurance

May 6, 2019May 6, 2019 / Nadja Maril / Leave a comment

Understanding the importance of business insurance is a business lesson, far too many entrepreneurs learn too late. At Peter B. Crilly & Associates we’ve seen it too many times– only when unforeseen events happen and something is stolen or damaged, do new business owners realize they should have invested in insurance for their companies.

One important coverage you may not be aware of is Cyber Insurance. Cyber- crime is a growing threat to both large and small companies. You may think your business won’t be targeted, but criminals won’t care if you are an entrepreneur building a small business or launching a startup company. The funds you spend to invest in cyber security measures and damage/vandalism insurance is an expenditure you won’t regret.

At the Peter B. Crilly Associates we offer commercial insurance packages that include cyber coverage to protect:

Data Breaches

Notification Costs

Credit Monitoring

Website Media Content

Costs to defend claims by state regulators

Cyber coverage plans for businesses come in all shapes and sizes. Our friendly agents can help put together a policy just for you. We’ll find one that is both affordable and reliable. Call us at 410-571-1771 or email Kgascon@crillyinsurance.com

Annapolis Businesses Need the Right Kind of Insurance: Product Liability Explained

July 20, 2018July 20, 2018 / Nadja Maril / Leave a comment

Being your own boss, running your own business can be both liberating and profitable. That’s why business insurance is so important. Knowing the best way to insure your business will help save time, money, and headaches. At Peter B. Crilly and Associates, we’re here to help explain what is covered in a business insurance policy. One type of business insurance you’ll want to know more about is called Product liability Insurance.

You may work hard for many years to build your company into something special. However, it can all be brought down with one error or mistake from one of your employees or suppliers. You are responsible for the actions of your staff and business associates and here are some examples:

1) A catering business worker is running short on time and fails to wash the fruit and vegetables included in an appetizer tray. As a result, several people become ill and are hospitalized.

2) A worker at a construction site tries to save money by using cheaper materials, and the porch they have built collapses when stressed with too much weight.

3). Equipment for a salad dressing company malfunctions and mixes in a peanut product into the ingredients not included on the labeling, resulting in an allergic reaction experienced by several consumers.

Product liability and product liability insurance covers three basic issues:

Defective products
Defective design
Failure to provide adequate product warnings to users

Without product liability coverage, the business owner could be sued for millions of dollars in damages, including medical expenses and lost wages. If you manufacture, distribute, supply, or sell products to the public, product liability coverage is extremely important.

Peter B. Crilly & Associates

Maryland Insurance Agents

Business Insurance