Whether you run a small business,
are starting a new venture, or are part of a large diversified
company, you can count on Sandy Spring Insurance to act as your
professional insurance representative. We work on your behalf, to
negotiate the best coverage for your specific business needs. At
Sandy Spring Insurance, our priority is to present your business
risks appropriately to insurance carriers in order to negotiate a
comprehensive and competitive insurance program with the insurance
company that is right for you. Our risk management professionals
are recognized for their creativity and diligence throughout the
process of purchasing and maintaining insurance coverage. This is
coupled with recommendations on actions you should take to best
protect your business in other areas in order to limit the overall
risk. A representative sample of our expertise includes the
following coverage areas.
"First Party" insurance of real and personal property against
physical loss or damage.
Protection for legal liability for personal and bodily injury or
damage to property of others.
Coverage for employee theft of money, securities, or property.
Electronic Data Processing
All risk property insurance for electronic data processing
equipment, computer programs, and data. Typically includes coverage
for perils to which such property is especially susceptible:
mechanical breakdown, electrical injury, and changes in temperature
Insurance covering loss of income suffered by a business as a
result of not being able to use property damaged by a covered cause
of loss, during the time required to repair or replace it.
A property insurance policy that is designed to cover property in
the course of construction or remodeling.
Professional Liability or
Error & Omissions Insurance
Protects the insured company against liability for committing an
error or omission in performance of professional duties. These
policies are designed to cover financial losses to your clients as
a result of your work.
Directors & Officers
Insures corporate directors and officers against claims, most often
by stockholders and employees, alleging financial loss arising from
mismanagement. The policies contain two forms of coverage; the
first reimburses the insured organization when it is legally
obligated to indemnify corporate directors and officers for their
acts; the second provides direct coverage to directors and officers
when the organization is not legally obligated to indemnify
A form of liability insurance covering wrongful acts arising from
the employment process. The most frequent types of claims alleged
under such policies include: wrongful termination, discrimination,
and sexual harassment.
The responsibility of trustees, employers, fiduciaries,
professional administrators, and the plan itself with respect to
errors and omissions in the administration of employee benefit
programs as imposed by the Employee Retirement Income Security Act
Provides benefits to employees for any injury or contracted disease
arising out of and in the course of employment. This is written in
conjunction with Employers Liability, part two of the basic workers
compensation policy, which pays on behalf of the insured (employer)
all sums that the insured shall become legally obligated to pay as
damages because of bodily injury by accident or disease sustained
by any employee arising out of and in the course of employment.
A form of liability insurance protecting policy holders for claims
in excess of the limits provided on the liability, workers
compensation and commercial automobile policies.
here for your complimentary insurance consultation.
*Not FDIC Insured *No Bank Guarantee
*Not a Bank Deposit
*Not Insured by Any Government Agency *May Lose Value