Maryland Coffee Shop businesses pay $75–$313/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Baltimore | $98–$407/mo | Compare → |
| Columbia | $96–$401/mo | Compare → |
| Germantown | $90–$376/mo | Compare → |
| Silver Spring | $94–$391/mo | Compare → |
| Waldorf | $86–$360/mo | Compare → |
| Montgomery County | $98–$407/mo | Compare → |
| Prince George's County | $94–$391/mo | Compare → |
| Baltimore County | $94–$391/mo | Compare → |
| Anne Arundel County | $90–$376/mo | Compare → |
| Howard County | $96–$401/mo | Compare → |
| Frederick County | $83–$344/mo | Compare → |
| Harford County | $83–$344/mo | Compare → |
| Charles County | $83–$344/mo | Compare → |
| Carroll County | $79–$329/mo | Compare → |
| Washington County | $75–$313/mo | Compare → |
Coffee Shop businesses in Maryland typically pay $75–$313/month for business owner's policy (bop). Rates vary by city, revenue, employee count, and claims history.
Maryland doesn't legally mandate business owner's policy (bop) for most businesses, but commercial leases, client contracts, and licensing boards typically require proof of coverage.
Business Owner's Policy (BOP) bundles general liability and commercial property into one cost-saving package. For Coffee Shop businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Maryland for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Coffee Shop policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Maryland cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.