Frequently Asked Questions

What is the difference between “Named Insured”, “First Named Insured” and “Additional Insured”?

Named insureds are those listed by name in the relevant block of the policy’s declaration page. Although the named insured is commonly one person, partnership, corporation or other entity with insurable interests, multiple names insured may be included.

First Named Insured is the first name listed on the policy declarations (front page of the policy). This insured acts as the legal agent for all named insureds in initiating cancellation, requesting policy changes or accepting any return premiums. The first named insured may also be responsible for payment of the premiums.

Additional insured is an entity to which a policy’s coverage is extended. An additional insured must be added to the policy prior to a claim being paid. There must be a relationship between the additional insured and the named insured. Being an additional insured on another’s policy does not eliminate the need for someone to have his/her own Commercial Liability policy.

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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.


 

Businesses, whether small or large, must have protection against injury or damage claims. Liability protection will offer you peace-of-mind in an age of multi-million dollar lawsuits.

As a business you are liable for accidents, mistakes or injury in which you or your employees may be involved. Commercial general liability helps your business by providing defense costs, covering damages, awards and legal expenses. Coverages include:

  • Premises & Operations: Protects you against injury claims, medical payments and being sued if a person is injured on your property.
  • Products & Completed Operations: Handles legal damages, defense costs or a product/service that was flawed or caused damage to a person.
  • Employment Practices Liability: Protects you against lawsuits brought up by your employees, including wrongful termination, harassment, discrimination and other employment-related offenses.