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.


 

No matter what type of business you’re in, it’s critical you make the right decisions regarding group health insurance. At Lassen, Marine & Webster, we offer information that will help you decide which health insurance plan is right for you and your staff, and is right for your budget.

Health insurance is complicated enough when you are dealing with it as an individual, but quickly becomes even more daunting when you are a business owner trying to provide affordable and comprehensive health care for your employees.

Lassen, Marine & Webster will customize a policy that is right for your business’ budget by working with group health care providers that can offer fully-insured or self-funded group health insurance options. Coverages include:

  • Health
  • Dental
  • Vision
  • Disability
  • Life