Frequently Asked Questions

What is General Liability?

General Liability provides coverage if you are liable for damages to other individuals arising from your premises, general operations (ongoing and after completion) and products manufactured or sold.


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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