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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PERSONAL INSURANCE

Looking for insurance you can rely on at a price you can afford? With 45 years of experience serving clients throughout Maryland, Delaware and Pennsylvania, Lassen, Marine & Webster has the knowledge and resources to design a plan that’s right for you.


 

The biggest investment most people will ever make is in their home. After making a sizable financial investment in your home it deserves a comprehensive homeowners plan to adequately protect it.

For many people, their home is the single most valuable thing they own – and of course most homes are filled with many other necessities including clothing, furniture, electronics and more. Finding comprehensive homeowner’s insurance is critical to protecting these cherished possessions. The basic coverages that are necessary for every homeowners policy include:

  • Dwelling Limit
  • Personal Property
  • Personal Liability
  • Medical Payments

But if you think homeowners insurance covers everything, think again. If your waterfront property includes a dock and boat, you need more than a basic homeowner’s policy. A basic homeowners policy also will not cover your antiques, expensive jewelry or valuable artwork. A single piece of lost or stolen jewelry could exceed the limit designated by your policy. Lassen, Marine & Webster will ask you questions designed to make sure you are fully protected, and can help you obtain coverage extensions including:

  • Jewelry, fine arts and antiques
  • Identity theft
  • Flood
  • Water backup of sewers and drains