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.


 

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.

Whether you are running a large-scale operation or carrying on the tradition of a small family farm there is always work to be done. On a daily basis you have a high volume of people floating around your farm, from vendors to employees, and at any time an accident may occur. If an injury, whether serious or minor, occurs on your property you can be held responsible. Farm liability insurance covers any accidental injury and protects you against lawsuits arising from bodily injury and property damage to others. Coverages include, but are not limited to:

  • Medical Expenses
  • Defense Costs
  • Bodily Injury
  • Property Damage