Frequently Asked Questions

Why do I need certificates of insurance from sub-contractors?

An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors’ certificates of insurance will prevent you from being charged for their exposure.


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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



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.


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.

Workers’ compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. The coverage provides wage replacement and medical benefits for employees who are injured or contract a disease in exchange for mandatory relinquishment of the employee’s right to sue the farm owner for negligence. In event of a situation such as this workers’ compensation provides payment for four types of benefits:

  • Medical Benefits
  • Income Benefits
  • Death Benefits
  • Rehabilitation Benefits

At Lassen, Marine & Webster our agents can provide you with more details concerning workers’ compensation and recommend a cost-effective way to control expenses through safety engineering and claim services.