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

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.