Business Details
45 Years
experience
Your Trusted Insurance Partner in Martinsburg, WV
Founded in 1981 by James W. Smallwood and C.H. 'Jack' Small, Smallwood and Small Insurance has served residents of the Eastern Panhandle for over 40 years. Our agency specializes in delivering personalized auto, home, business, life, and Medicare insurance solutions tailored to individual needs. With deep roots in West Virginia, Virginia, Maryland, and Pennsylvania, we prioritize understanding local market dynamics to provide relevant coverage options. Our team of experienced agents is committed to helping clients protect their assets while offering competitive rates and exceptional service. We pride ourselves on building long-term relationships through transparency, expertise, and a customer-first approach.From classic car policies to commercial liability coverage, our comprehensive services address diverse insurance requirements. As a family-oriented business, we maintain a legacy of integrity while adapting to evolving industry standards. Our dedication to community extends to supporting local initiatives and providing educational resources about risk management. Clients benefit from our strategic partnerships with top-rated carriers, ensuring reliable protection and claims support. Whether insuring a dream home, a small business, or a vintage vehicle, we combine personalized attention with industry knowledge to deliver peace of mind.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Medicare Supplements
Renters Insurance
Mobile Home Insurance
Flood Insurance
Workers Compensation
Professional Liability
Details
- Year established: 1981
Highlights and features
- We offer personalized insurance solutions tailored to your needs
- Our team provides expert guidance with decades of local experience
- We partner with top-rated carriers for reliable coverage options
- We specialize in niche policies like classic car and seasonal property insurance
- We provide strategic commercial insurance solutions for small businesses
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting vehicles against liability, collision, and comprehensive risks. Our policies include towing, rental car coverage, and uninsured motorist protection while offering specialized plans for classic cars and motorcycles. With options to customize deductibles and coverage limits, we help drivers in West Virginia, Virginia, Maryland, and Pennsylvania secure affordable rates without compromising protection quality.
Home Insurance
Our homeowners insurance policies protect primary residences, rental properties, and manufactured homes against common perils like fire, theft, and weather damage. We offer replacement cost coverage through Erie Secure Home, flood insurance, and seasonal property policies while providing liability protection for personal injuries on your property. Our agents help clients determine appropriate coverage amounts for both dwelling structures and personal belongings.
Business Insurance
We design commercial insurance packages combining general liability, property coverage, and workers' compensation for small businesses. Our solutions include professional liability, surety bonds, and employee benefits programs while addressing unique risks for churches and non-profits. Policies protect against lawsuits, property damage, and business interruption while supporting employers in creating competitive benefits packages for their teams.
Life Insurance
We offer term and permanent life insurance solutions to protect families financially in case of unexpected death. Our policies help cover mortgages, education expenses, and income replacement while providing cash value accumulation options. With flexible term lengths and customizable permanent policies, we help clients create lasting legacies while addressing short-term and long-term disability coverage needs.
Medicare Supplements
Our Medicare supplement plans help cover costs not included in original Medicare Parts A and B. We provide guidance on Part D prescription drug coverage and long-term care insurance options while offering specialized policies for respite care needs. Our agents help seniors navigate healthcare choices and maximize coverage through partnerships with regional providers like Highmark of West Virginia.
People
James W. Smallwood
Co-Founder
Co-founded Smallwood and Small Insurance in 1981 with a commitment to personalized service. Brought decades of insurance expertise to establish the agency's community-focused approach.
C.H. 'Jack' Small
Co-Founder
Co-founder who helped shape the agency's customer-centric philosophy. His legacy continues through the team's dedication to protecting clients' assets and futures.
Questions
What types of insurance do you offer?
We provide auto, home, business, life, and Medicare insurance with specialized options for classic cars, seasonal properties, and commercial needs.
How can I get an insurance quote?
Request a quote online through our website or call us at 304-263-3361 during business hours to speak with an agent about personalized coverage options.
Do you serve areas outside West Virginia?
Yes, we provide insurance solutions for clients in Virginia, Maryland, and Pennsylvania in addition to our West Virginia service area.
What sets you apart from other agencies?
Our 40+ years of local experience, personalized approach, and strategic carrier partnerships help us deliver tailored solutions that balance protection and affordability.
Can you help with business insurance needs?
Yes, we create customized commercial packages including liability coverage, workers' compensation, and employee benefits programs for small businesses and non-profits.
