Frequently Asked Questions

What about purchasing life insurance on a spouse and on children?

In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not me made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). it is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important to protect the income earning capacity of both spouses. Life insurance on a non-wage earning spouse is often recommended for the purpose of paying for household services lost at this individual’s death.


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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.


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