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
(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.


 

Don’t let flood insurance be an afterthought for your businesses. In the Chesapeake bay area, it is a necessary addition to your existing property insurance.

The risk of suffering losses from flood damage is often very high because many business owners do not realize flooding is not covered under their property insurance policy. The only way to protect your personal property, building and valuable information from flood damage is with flood insurance for your business. Whether you are in a designated flood zone or not, you should consider flood insurance coverage because intense rains or winds can bring floods even to non-coastal business locations. Standard coverages include:

  • Building coverage
  • Contents Coverage
  • Replacement Cost