Frequently Asked Questions

What about purchasing life insurance on a spouse and on children?

In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not me made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). it is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important to protect the income earning capacity of both spouses. Life insurance on a non-wage earning spouse is often recommended for the purpose of paying for household services lost at this individual’s death.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922



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.


Most standard property insurance policies do not include the off-premises protection for your businesses equipment. By insuring your equipment, you are ensuring that your business will run smoothly on a day-to-day basis no matter what the unexpected brings.

Protect your investment in equipment with business equipment insurance which protects items that are not generally confined to one location, like laptops, computers, mobile equipment, telephones and electrical systems. Other items protected include, but are not limited to:

  • Goods in transit
  • Buildings under construction
  • Equipment that moves from one job location to another
  • Data
  • Fine artwork