Business Details
50+ Years
experience
Your Trusted Independent Insurance Agency in Maryland
Founded in 1953, A.L. Howes Insurance Agency has built a legacy of providing tailored insurance solutions to individuals and businesses across Maryland, Washington, DC, Northern Virginia, and Southern Pennsylvania. Our recent merger with Insurance Partners, LLC has expanded our capabilities while maintaining our commitment to personalized service and professional expertise. We specialize in commercial and personal insurance, offering comprehensive coverage for business owners, contractors, and homeowners. Our team prioritizes understanding client needs to deliver customized risk management strategies. With decades of collective experience, we serve as trusted advisors, ensuring clients receive optimal protection and value.Our independent agency model allows us to access multiple carriers, providing competitive options for every client. We emphasize transparency in policy terms and coverage options, empowering informed decision-making. Our approach combines thorough analysis of existing insurance programs with tailored recommendations to address unique exposures. Clients benefit from our deep local market knowledge and dedication to long-term relationships. We remain committed to evolving with industry trends while upholding the founding principles of professionalism and client-centric service.
Services
Business Owners Insurance
Commercial Property Insurance
General Liability Insurance
Workers Compensation
Contractor Insurance
Garage Repair Shop Insurance
Restaurant Insurance
Excavation Contractor Insurance
Veterinary Office Insurance
Commercial Umbrella Insurance
Details
- Year established: 1953
Highlights and features
- We offer over 70 years of combined experience in commercial and personal insurance
- Our independent agency model provides access to multiple carrier options
- We specialize in industry-specific coverage for contractors and business owners
- Our team provides personalized risk assessment and policy analysis services
- We maintain local expertise across Maryland, DC, and regional markets
Services
Business Owners Insurance
Our Business Owners Insurance packages combine property, liability, and business interruption coverage to protect small to mid-sized enterprises. This comprehensive solution safeguards against common risks like property damage, client lawsuits, and operational disruptions. Tailored for Maryland businesses, it offers customizable limits and endorsements to match specific industry requirements.
Commercial Property Insurance
Commercial Property Insurance covers physical assets including buildings, equipment, and inventory against fire, theft, and natural disasters. We offer replacement cost coverage and business income protection to maintain operations during recovery. Policies can be customized with additional endorsements for specialized equipment and high-value assets.
General Liability Insurance
General Liability Insurance protects against third-party claims for bodily injury, property damage, and advertising injuries. Essential for Maryland contractors, this coverage includes legal defense costs and settlement payments. We help businesses select appropriate limits based on their specific risk exposure and industry standards.
Workers Compensation
Workers' Compensation insurance covers medical expenses and lost wages for employees injured on the job. Required by Maryland law, our policies ensure compliance while protecting both employers and employees. We provide guidance on workplace safety programs and claims management processes.
Contractor Insurance
Our Contractor Insurance packages address unique risks faced by construction professionals, including equipment protection, builders risk, and additional insured requirements. Policies cover tools, job site materials, and liability exposures specific to contracting work. We offer specialized endorsements for different trade specialties across Maryland and regional markets.
Questions
What areas do you serve?
We provide insurance services throughout Maryland, Washington, DC, Northern Virginia, and Southern Pennsylvania.
What types of insurance do you offer?
We specialize in business owners insurance, commercial property coverage, liability protection, and specialized industry policies for contractors and professionals.
How are you different from other agencies?
Our independent agency model combines local expertise with nationwide carrier access, offering personalized solutions tailored to specific industry needs.
How can I get a quote?
Contact our Sykesville or Towson offices directly, or use our online contact form to request a customized insurance quote.
What commercial insurance do contractors need?
Contractors require general liability, commercial property, workers' compensation, and specialized equipment coverage to protect against industry-specific risks.
How do you handle insurance claims?
We guide clients through the claims process, ensuring proper documentation and timely communication with carriers for efficient resolution.
