Business Details
Your Trusted Independent Insurance Agency in Towson, MD
Rider Insurance is an independent insurance agency serving clients in Maryland, Pennsylvania, Virginia, and Delaware. Our team of dedicated professionals has spent decades building relationships with reputable insurers to offer competitive policies tailored to individual and business needs. We specialize in auto, home, commercial, and surety bond insurance, prioritizing personalized service and comprehensive coverage. Our agency was founded on the principle that client needs come first, evidenced by our high rate of repeat business and referrals. With licensed agents averaging over 15 years of experience, we combine industry expertise with local market knowledge to deliver customized solutions.Our commitment to transparency ensures clients receive clear explanations of policy terms and coverage options. We maintain partnerships with top-rated insurance carriers to provide reliable protection across multiple risk categories. Our team's longevity - with key members serving since 2004 - demonstrates our stability and dedication to the communities we serve. We continuously monitor industry developments to offer innovative products while maintaining traditional values of trust and accountability. Our clients benefit from our status as an independent agency, gaining access to multiple carrier options rather than being limited to a single provider's offerings.
Services
Commercial Auto Insurance
General Liability Insurance
Flood Protection
Home Renters Insurance
Business Owners Policy
Personal Umbrella Insurance
Landlord Protection
Contract Bonds
Public Official Bonds
Fiduciary Bonds
Highlights and features
- We offer access to multiple insurance carriers for optimal coverage options
- Our team includes licensed agents with over 15 years average experience
- We provide personalized insurance solutions tailored to specific client needs
- We maintain partnerships with top-rated insurance companies nationwide
- Our independent agency status allows unbiased policy recommendations
What people say
Professionalism
Quality service
Responsiveness
Great value
Above and beyond
Services
Commercial Auto Insurance
Protect your company vehicles with comprehensive commercial auto coverage. We offer policies that cover liability, physical damage, and specialized equipment. Our solutions protect businesses of all sizes, from single-vehicle operations to large fleets. Policies include coverage for accidents, theft, and weather-related damage while providing options for customized protection based on industry needs.
General Liability Insurance
Safeguard your business against third-party claims with general liability coverage. Our policies protect against property damage, bodily injury, and advertising injury claims. We tailor coverage limits to match business size and risk exposure while including legal defense costs. This essential protection helps businesses recover from unexpected incidents that could otherwise threaten financial stability.
Flood Protection
Secure specialized flood insurance coverage for residential and commercial properties. We provide policies that cover structural damage and personal property losses from flooding events. Our experts help determine appropriate coverage levels based on flood zone classifications while explaining policy details including waiting periods and coverage limitations. This critical protection fills gaps in standard insurance policies.
Business Owners Policy
Simplify commercial coverage with our Business Owners Policies that bundle multiple protections. These comprehensive packages typically include property, liability, and business interruption insurance at a cost-effective rate. We customize policies to match specific industry needs while ensuring adequate coverage for common business risks. This streamlined approach provides broad protection with simplified policy management.
Contract Bonds
Obtain required contract bonds for construction projects and public works. We offer bid bonds, performance bonds, and payment bonds that guarantee contractual obligations. Our bonding solutions help contractors secure projects while providing assurance to project owners. We work with major surety providers to deliver competitive rates and efficient bond issuance for various contract sizes.
People
James
Agency Principal
With over 20 years of insurance experience since becoming licensed in 2000, James leads our agency's strategic direction while maintaining active client relationships. His expertise spans commercial risk management and policy analysis.
Tosha
Personal Lines Sales & Service
Tosha has specialized in personal insurance solutions since 2005, helping clients protect their homes and vehicles. Her focus on clear communication ensures clients understand their coverage options and policy details.
Amy
Personal & Commercial Lines Sales & Service
Licensed since 2004, Amy provides comprehensive insurance solutions for both individuals and businesses. Her dual expertise enables seamless coverage coordination for clients with mixed personal and commercial needs.
Chelsi
Real Estate Investors Services
Chelsi specializes in investment property insurance since joining the team in 2022. She helps real estate investors protect their portfolios with tailored landlord protection and property coverage solutions.
Sofia
Personalized Sales & Service
Newly licensed in 2024, Sofia brings fresh perspective to our team while learning from experienced mentors. She focuses on building long-term client relationships through attentive service and thorough policy explanations.
Questions
What types of insurance do you offer?
We provide auto, home, commercial, and surety bond insurance including specialized coverage for businesses, landlords, and public officials.
Do you serve areas outside Maryland?
Yes, we serve clients throughout Pennsylvania, Virginia, and Delaware in addition to our home state of Maryland.
How can I get a quote?
Request a quote online or call us directly at (410) 828-1555 to speak with a licensed agent about your insurance needs.
Are you an independent agency?
Yes, we're independent and partner with multiple top-rated carriers to find the best coverage options for each client.
What surety bonds do you handle?
We offer contract bonds, public official bonds, fiduciary bonds, and specialty bonds including utility payment and wage bonds.
How experienced is your team?
Our agents average over 15 years of experience, with some team members licensed since the early 2000s.
