Commercial insurance is evolving quickly in 2025 as Maryland and Delaware-based businesses face new risks tied to technology, remote work, and economic and climate shifts. Traditional policies often fall short in covering today’s complex risk exposures. Staples & Associates offers more on commercial insurance options and why your business can’t afford to overlook this in 2025, and beyond. 

A Smarter Approach to Commercial Insurance

Now more than ever, businesses need more than just the standard coverage—they need adaptable, forward-thinking insurance strategies. 

Businesses in MD and DE should prepare for developing concerns in 2025:   

Increased Cyber Threats and Data Breaches

Businesses, nonprofits, and governments across the country have faced data breaches that have caused disruption in day-to-day operations, profit losses, or unexpected costs. Prepare for possible cyber attacks today with commercial cyber insurance. 

AI-Related Liability 

From automated decisions to copyright violations, the liability of artificial intelligence solutions are still being understood by many business owners. However, that does negate your risk or responsibility. Protect your livelihood with business insurance, sooner rather than later. 

Remote Work Exposure

Security, mismanagement, and loss or damage to equipment are a few risks of allowing remote work. Staples & Associates can consult with your business to assess the risks you’re taking, and whether something like director’s and officer’s insurance may be warranted. 

Natural Disasters and Climate Risks

Everything from the severity, cost, and frequency of storms is increasing. Don’t get caught without adequate insurance for your business. Let Staples & Associates review your company’s portfolio to determine if commercial umbrella insurance is right for your business. 

Rising Repair or Rebuilding Costs

With rising real estate, materials, and labor prices comes higher total costs to rehabilitate your commercial property or business location, should the time and need arise. Commercial property insurance from Staples & Associates is paramount for unexpected renovations. 

Discover how a smarter approach to commercial insurance can help safeguard your operations and support long-term resilience. Have a conversation with an agent from Staples & Associates, today.