Frequently Asked Questions

Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922



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.