Maryland Commercial Property Insurance Information
We have the experience to analyze and recommend the correct property
insurance coverages for your Maryland business. Our strong relationships
with property insurers results in direct cost savings for our clients.
Commercial property insurance may be purchased on
the basis of the property's actual value (the replacement
cost minus depreciation), its replacement value (the cost
of replacing an item without deducting for depreciation),
or on an agreed-upon amount (commonly used for art
objects and other unique items).
Commercial property insurance is designed to protect
your Maryland business in the event property owned by
your company is lost, damaged or stolen. In most cases
it covers the cost to repair damaged property and to
replace what your business lost.
Different types of commercial property insurance
policies protect against different risks or perils and we
can tailor affordable insurance coverage to fit your
Maryland businesses needs. We offer professional
property insurance services to Manufacturers,
Wholesale, Retail, Services, Transportation,
Construction, Commercial Real Estate, and other
businesses throughout Maryland.
Business assets have one thing in common...they all need
protection. Protect your valueable physical assets with quality
commercial property insurance from leading insurance
companies serving Maryland.
Click on the link below to fill out a quote request form for a Maryland commercial property
insurance plan that regardless of whether you're a large employer or a small business, will
provide exceptional property insurance coverage for your business at an affordable cost. Or
you can speak with our Maryland Commercial Property Insurance specialist at 301-933-5500
to discuss the insurance policy features in more detail.
We are your local Silver Spring, Maryland full service insurance agency, offering
comprehensive Maryland commercial property insurance plan services to large
and small businesses located in the following cities and counties: Wheaton,
Bethesda, Aspen Hill, White Oak, Takoma Park, Randolph Hills,
Veirs Mill, Kensington, Kemp Mill Estates, Rock Creek Forest, Chevy Chase,
Woodmont, Garrett Park, Oakmont, Calverton, Fairland, Springbrook,
Glenmont, Foxhall, Layhill, Colesville, Meadowood, Rockville, Laurel,
Gaithersburg, Good Hope, College Park, Greenbelt, Montpelier, Adelphi,
Langley Park, Berwyn Heights, Knollwood, Beltsville, Maryland City, Riverdale,
Hyattsville, Chillum, Lewisdale, University Park, New Carrollton, Landover Hills,
Bladensburg, Cheverly, Kent Village, Somerset, Chevy Chase View, Glen Mar
Park, Westgate, Brookmont, Luxmanor, Montrose, Potomac, Glen Hills,
Derwood, Washington Grove, North Potomac, Redland, Olney, Sandy Spring,
Norwood Corner, Ashton, Ednor, Spencerville, Burtonsville, Good Hope, Fulton,
Savage, Bowie, Crofton, Kettering, Forestville, District Heights, Capitol Heights,
Columbia, Annapolis, Germantown, Brinklow, Brookeville, Highland,
Simpsonville, Brighton, Clarksville, Laytonsville, Damascus, Dayton, Unity,
Glenelg, West Friendship, Seneca, Dawsonville, Poolesville, Towson,
Baltimore, Montgomery County, District of Columbia, Prince Georges County,
Howard County, Anne Arundel County, and Baltimore County, MD. We also
offer commercial property insurance plan coverages for your small business if
it's located in the state of Maryland or northern Virginia, including Arlington,
Alexandria, McLean, Falls Church, Annandale, Reston, Fairfax, Vienna,
Herndon, Sterling, Leesburg, and Manassas, VA.
**The information, pictures, and other content in this website about
particular insurance services is only provided for informational purposes.
Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.
Employee Benefits
Business Insurance
Commercial Property
Insurance
Brown Insurance Group
12118 Heritage Park Circle
Silver Spring, Maryland 20906
Montgomery County, MD
(301) 933-5500
Fax: (301) 933-6955

Answer a few questions and
we will provide you with an
insurance quote by phone or
email. Choose the Maryland
personal or business insurance
coverage you're interested in
from the menu above.
Brown Insurance Group, Inc.
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DELIVERING EXCELLENCE WITH A DIFFERENCE
Five Important Maryland Commercial Property Insurance Rating Factors

Fire risk is usually the largest factor that will determine your commercial property insurance
rates. State-licensed fire inspectors will perform inspections as part of the underwriting process
and use a standard rating system that focuses on five important factors to determine a buildings
fire rating.

Construction Materials
Buildings made of potentially combustible materials will have higher premiums, while those made
of fire-resistant materials could earn a discount. You should speak with an insurance agent
before remodeling because additions to an existing structure could negatively affect a fire rating.

Internal Structural
The use of wood partitions, floors, and stairways in an otherwise fire-resistant building will likely
nullify any rate reduction gained by exterior fire-resistant construction.

Location & Exposure
Buildings in cities or towns with good fire protection typically cost less to insure than buildings
outside a city where fire protection may be limited. Nearby hazards increase a buildings fire risk.
Proximity to external fire hazards, such as a lumberyard or oil storage tank affects a fire rating
significantly.

Buildings Use
An office building typically rates better than a restaurant or auto repair shop because less risk is
expected. In a building with multiple tenants, one hazardous occupant will negatively affect the
fire rating of the entire building. If your business is in a building with a more hazardous business,
your premiums will be higher. It pays to know who else is in your building and what products
they produce.

Fire Protection Measures
Automatic sprinklers can reduce a building's fire rating by as much as 50%. Buildings with fire
extinguishers and automatic alarms and those within 500 feet of a standard fire hydrant will
usually have lower ratings.