Business Details
30 Years
experience
Your Trusted Partner for Comprehensive Insurance Solutions
At Balderson Insurance Agency, we prioritize our clients' needs above all else, working diligently to protect their personal and business assets since 1996. Our approach centers on building long-term relationships rather than transactional interactions, ensuring each client receives personalized insurance strategies tailored to their unique circumstances. With a deep understanding of risk management, we offer comprehensive coverage options across personal, business, and life insurance sectors. Our commitment extends beyond policy issuancewe remain available to answer questions, adjust policies, and provide ongoing advice. Located in Frederick, Maryland, we serve clients with localized expertise while maintaining a broad perspective through partnerships with multiple insurance carriers.Our founder's dedication to client advocacy, rather than corporate interests, forms the foundation of our practice. We emphasize asset protection as a critical component of wealth preservation, helping clients avoid potential financial devastation from lawsuits or uncovered risks. Transparency and affordability guide our recommendations, ensuring clients receive both adequate coverage and value. Our agency's longevity reflects our ability to adapt to changing client needs while maintaining core principles of service excellence. By focusing on education and proactive planning, we empower clients to make informed decisions about their insurance portfolios.
Services
General Liability
Workers Comp
Medicare Supplement
Life Insurance
Business Insurance
Homeowners Insurance
Commercial Auto
Professional Liability
Term-Life Insurance
Rental Property Insurance
Details
- Year established: 1996
Highlights and features
- We provide personalized insurance strategies tailored to individual client needs
- Our agency maintains long-term relationships with clients beyond policy issuance
- We emphasize asset protection as critical to wealth preservation
- Our founder works directly for clients rather than insurance companies
- We offer localized expertise with access to multiple insurance carriers
Services
General Liability
Our general liability insurance protects businesses from common risks like property damage and bodily injury claims. We help companies in Frederick, Maryland secure coverage that meets state requirements while addressing specific operational risks. Our agents work with multiple carriers to find cost-effective solutions that balance protection and affordability.
Workers Comp
We provide workers' compensation insurance that protects both employers and employees in case of workplace injuries. Our policies comply with Maryland regulations while offering comprehensive medical and wage replacement benefits. We assist businesses in developing safety protocols to potentially reduce premiums and workplace incidents.
Medicare Supplement
Our Medicare supplement plans help individuals fill gaps in original Medicare coverage. We offer personalized guidance to select plans that cover deductibles, copayments, and other out-of-pocket expenses. Our agents stay current with changing regulations to ensure clients maintain optimal coverage as their needs evolve.
Life Insurance
We offer term life and permanent life insurance solutions to protect families and business interests. Our approach considers clients' financial goals, debt obligations, and estate planning needs. We work with multiple carriers to find policies that provide adequate death benefits while fitting within clients' budgets.
Business Insurance
Our business insurance packages protect companies against property damage, liability claims, and operational disruptions. We offer customizable solutions including commercial auto, inland marine, and professional liability coverage. Our risk assessment process identifies specific vulnerabilities to create comprehensive protection strategies for Maryland businesses.
People
Todd Balderson
Founder and CEO
Todd Balderson established the agency in 1996 with a commitment to client advocacy over corporate interests. He personally oversees policy design and client consultations, ensuring each recommendation aligns with individual protection needs. His approach emphasizes long-term relationships and comprehensive risk management strategies tailored to Maryland residents and businesses.
Questions
What types of insurance do you specialize in?
We specialize in personal insurance (auto, home, life), business insurance (general liability, workers' comp), and Medicare supplement plans for Frederick, Maryland residents.
How are you different from other insurance agencies?
We focus on building long-term relationships rather than one-time transactions, working directly for clients rather than insurance companies to create personalized protection strategies.
Can you help review my existing insurance policies?
Yes, we offer complimentary policy reviews to assess coverage adequacy and identify potential gaps or overlaps in both personal and business insurance portfolios.
Do you offer services outside Frederick, Maryland?
While our office is located in Frederick, we serve clients throughout Maryland with personalized insurance solutions tailored to regional risk profiles and regulatory requirements.
How do you handle insurance claims assistance?
We provide ongoing support beyond policy issuance, helping clients navigate the claims process and advocating for fair treatment from insurance carriers when needed.
Videos
