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.


 

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.