Business Details
50+ Years
experience
Your Trusted Independent Insurance Partner in Maryland
A.L. Howes Insurance Agency & Insurance Partners LLC have been dedicated to providing superior professional service and solutions since 1953. Our mission is to protect our clients' lives, businesses, families, and assets through personalized insurance strategies. With a combined experience spanning decades, we operate on the founding vision of professionalism and personalized customer service across Maryland, Washington, DC, Pennsylvania, and Virginia. Our independent agency status allows us to offer a comprehensive suite of insurance solutions tailored to individual needs. We focus on understanding our clients' unique risks and designing policies that provide maximum protection at competitive prices.Our team of knowledgeable advisors works tirelessly to ensure clients receive the best coverage and service possible. We pride ourselves on building trusted relationships through transparent communication and expert guidance. Our commitment to excellence has earned us industry accolades, including the H.O. Hirt Quality Agent Award and Erie Insurance Founders Award. We continuously strive to improve our clients' insurance plans through regular reviews and updates. Our 65-year legacy of service and eight experienced advisors position us as a trusted partner in risk management and insurance solutions.
Services
Business Insurance
Personal Insurance
Life Insurance
Commercial Property Insurance
General Liability Insurance
Workers Compensation Insurance
Contractor Insurance
Home Insurance
Auto Insurance
Umbrella Insurance
Details
- Year established: 1953
Highlights and features
- We offer 65 years of combined insurance expertise across multiple industries
- Our team provides personalized policy design based on individual client needs
- We maintain transparent communication with no hidden fees or surprises
- Our independent agency status grants access to multiple insurance carriers
- We provide specialized coverage for unique industries like contractors and veterinarians
Associations and certifications
- H.O. Hirt Quality Agent Award
- Erie Insurance Founders Award
What people say
Great coverage and service
Helpful and knowledgeable advisors
Works hard to meet client needs
Saved significant money on premiums
Excellent communication throughout process
Services
Business Insurance
Our business insurance solutions protect companies of all sizes against industry-specific risks. We offer customized policies that combine property, liability, and specialized coverage options. Our experienced team works closely with clients to understand their unique operational risks and design comprehensive protection strategies that safeguard assets, employees, and business continuity.
Commercial Property Insurance
This coverage protects business assets including buildings, equipment, inventory, and furniture against damage from fire, theft, and natural disasters. We help clients determine appropriate coverage limits and additional protections for business interruption losses. Our policies can be customized to include specialized coverage for rebuilding requirements and code compliance.
General Liability Insurance
Essential protection for businesses against claims of bodily injury, property damage, and personal injury. We provide policies that cover legal defense costs and settlements when businesses are held liable. Our coverage includes premises liability, product liability, and advertising injury protection tailored to specific industry needs.
Workers Compensation Insurance
Mandatory coverage for businesses with employees that provides benefits for work-related injuries and illnesses. We offer policies that meet state requirements while protecting both employers and employees. Our solutions include medical expense coverage, wage replacement, and legal protection with options to enhance safety programs and claims management.
Contractor Insurance
Specialized insurance packages for construction and trade professionals that combine multiple risk protections. Our policies include equipment coverage, builders risk insurance, and specialized liability protection tailored to specific trades. We address unique risks like third-party liability from subcontractors and coverage for tools and materials in transit.
Questions
What types of insurance do you specialize in?
We specialize in business insurance, personal insurance, and life insurance products with particular expertise in contractor insurance, commercial property coverage, and specialty risk management solutions.
How are you different from other insurance agencies?
As an independent agency, we're not tied to any single insurance carrier, allowing us to objectively recommend the best coverage options from multiple providers to meet your specific needs.
Which areas do you serve?
We serve clients throughout Maryland, Washington DC, Northern Virginia, and Southern Pennsylvania with two convenient office locations in Sykesville and Towson, MD.
How do you handle insurance claims?
We provide dedicated claims support to help you navigate the process efficiently, working directly with insurers to ensure timely resolution of covered claims.
Can you help customize insurance policies?
Yes, we specialize in creating customized insurance solutions tailored to your specific business or personal requirements, with regular policy reviews to ensure ongoing appropriateness.
How can I get an insurance quote?
You can request a free quote through our website or contact our Sykesville or Towson offices directly to speak with an experienced insurance advisor about your coverage needs.
