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.


 

Umbrella insurance for businesses provides additional protection in the event that your business exceeds its insurance limits on an underlying policy. Avoid financially devastating losses due to liability claims and lawsuits by purchasing extra protection on your business today.

While business owners, general liability and commercial auto insurance will protect your business in many situations, the aptly named “umbrella” insurance policy gives you even greater piece of mind in the event of a truly catastrophic event that could lead to injury or death.

As a business you can be held responsible for an incident that far exceeds the coverage of your underlying policies. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and property damage claims and ensure your assets are protected in the event of a multi-million dollar lawsuit.