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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FARM INSURANCE

As farm specialists in the Harford and Cecil County area, Lassen, Marine & Webster can assess your unique needs and risks to recommend the best insurance for you whether you’re running a large-scale operation or small family farm.


 

Farm Insurance

In an era of ongoing development and growth, Harford and Cecil County remain the proud home to many thriving farms. Based in the area, Lassen, Marine & Webster’s team of agents understand the unique issues of the Chesapeake Bay basin and have become the go-to insurance experts for everything from farm personal property and equipment to livestock and liability insurance. We consider not only your business, but also your home and family in our customizable packages that protect against a variety of events from minor hiccups to major losses.

Farm property insurance protects your farm’s physical assets, including your dwelling and household personal property, farm personal property and barns, stables, silos and other structures found on your farm.

Farm auto insurance covers all of the vehicles used on your farm property and protects you financially from auto injuries, damages and losses associated with your vehicles, employees or other persons.

Similar to commercial business liability insurance, farm liability insurance protects you and the future of your farm from lawsuits arising from bodily injury claims and property damages.

Traditionally known as scheduled personal property and other structures insurance, equipment insurance protects the equipment used to keep your farm operating, including tools, livestock, feeding tracks, irrigation systems, etc.

With the amount of physical labor preformed on a daily basis by farm employees, accidents are bound to occur. Workers’ compensation for farms covers injury and diseases arising out of and in the course of employment.

Due to the growing liability exposures facing farm owners today, an umbrella insurance policy is a cost-effective way to add more coverage to your farm insurance policy, ensuring you are adequately insured in the case of an emergency.