Frequently Asked Questions

Why do I need certificates of insurance from sub-contractors?

An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors’ certificates of insurance will prevent you from being charged for their exposure.

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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028
(800)519-8387

Elkton location »
211 West Main Street
Elkton, MD 21922
(800)519-8387

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BUSINESS INSURANCE

Business owners in Harford and Cecil County can rest assured knowing there is a local, independent agent nearby able to access and customize insurance plans to meet the needs of your specific industry and situation.


 

No business is immune to crime losses, and in the age of computers fraud is a very real threat. Talk to one of our knowledgeable agents today to find out how you can protect your business from the risk of fraud and other crimes.

Today’s technology means more opportunities for misconduct than ever, including loss of money, securities and other tangible business property due to outside theft, employee theft, burglary, robbery, disappearance or destruction, forgery of checks and computer fraud. You need to protect your business and its assets against crime. Coverages include, but are not limited to:

  • Employee dishonesty
  • Money & securities – Inside and Outside
  • Money Orders & Counterfeit Paper Currency
  • Forgery & Alteration