Frequently Asked Questions

When purchasing automobile insurance, what should I consider?

There are several things you should consider when purchasing automobile insurance, but here are a few:

  • Purchase the amount of liability coverage which makes sense for you (where you drive to work, how far, who is driving what car)
  • Select the optional coverages that you need (comprehensive, collision, towing, etc.)
  • Do not base your decision solely on price! Other factors, like service and claim response, are extremely important in selecting the right insurance
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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.


 

Contractors, IT service companies, heating and air conditioning professionals and even marketing agencies need protection from negligence arising out of their particular services. Through specialized insurance companies, we offer coverage for lawsuits associated with employment practices, errors and omissions and many other types of professional liability, including network security and unprotected patents.

An extension of general liability, professional liability insurance protects you and your business from losses which your products or services caused. Common professions that require professional liability insurance policies include lawyers, medical professionals, real estate agents, non-profit organizations and private companies. Different types of professional liability include:

  • Directors & Officers Liability: Protects directors and officers of public, private and non-for-profit corporations
  • Employment Practices Liability: For claims arising out of employment disputes; protects individuals and companies from resulting damages and defense costs; examples: discrimination, sexual harassment, wrongful termination and wrongful discipline
  • Cyber Liability: Protects information assets from risks like computer viruses, malicious code and hardware theft
  • Technical Professional Liability
  • Errors & Omissions
  • Financial Services Liability