Frequently asked questions
Our Insurance Products
Taking the time to understand auto insurance concepts, like the difference between "collision" and "comprehensive" coverage, can be frustrating when you are trying to shop on your own and you just want to know what kind of protection you will get. That's why Commercial Insurance Managers prioritizes communication with clients, so our agents can translate industry terms into coverage explanations that leave drivers in Elkridge feeling confident they have exactly the coverage they need.
Starting with basic liability insurance and adding features until you have a personalized plan to address your needs means understanding the differences between drivers, car styles, and vehicles in different stages of their operating life. Commercial Insurance Managers works with Nationwide to construct policies that meet your needs with options like comprehensive coverage against damage while parked or even robbery.
If you have questions about coverage options and policies, talk to one of our agents by calling us at (410) 799-2142. You can get answers, make a purchase over the phone, or schedule an in-person consultation meeting in our office at 8170 Lark Brown Rd.
Commercial Insurance Managers knows just how to protect Elkridge residences with a home insurance policy. Earned through years of listening to the concerns of other local homeowners, our agents can answer any questions you may have about various coverage programs and policy options.
Even in the most tightly knit Elkridge neighborhoods, no two properties and no two households are exactly the same. An aging roof may lead one homeowner to opt for the Better Roof Replacement® program, while a multigenerational household next door has heard about the benefits of Nationwide's Brand New Belongings®. There may also be high-value items, homeowner liability or secondary structures on the property that need the protection of a homeowner's policy. Simply tell one of the experts at Commercial Insurance Managers your individual concerns, and discover how to make coverage choices with speed and confidence.
Along with competitive rates and discounts, the renowned On Your Side® Claims Service will be there for any homeowner who ends up needing more than just peace of mind from their policy coverage.
Call us at (410) 799-2142 to choose a policy or to set up an office appointment. Commercial Insurance Managers is located at 8170 Lark Brown Rd.
Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Elkridge life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
The agents at Commercial Insurance Managers will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call Commercial Insurance Managers at (410) 799-2142 or visit us at 8170 Lark Brown Rd. We will be happy to work with you to make sure your family’s financial security is always protected.
When you are a business owner, stability is likely one of your top priorities. We at Commercial Insurance Managers understand this, which is why we teamed up with Nationwide, a company with an excellent history of insuring businesses. We want to make sure that your business has the basic coverage it needs as well as any additional coverage to fit the nuances of your situation. No business is exactly alike, and you'll want to consider factors such as your business location, how the business is run, and your target customers or clients when you assess insurance options.
If you are unsure how or where to start, Commercial Insurance Managers may recommend that you select a businessowners policy (BOP). It combines property insurance, liability insurance, and other types of insurance coverage. After that, you can look at other insurance coverage options such as business interruption insurance, which can help keep your business going financially in situations such as vandalism or extreme weather. Other coverage types that may interest you include utility interruption, employment practices, and accounts receivable. We also have insurance solutions customized toward specific business types in Elkridge such as dry cleaners, real estate, and plumbing.
Take advantage of an On Your Side® Review to determine the insurance coverage needs of your business. We will assess your business and give you information on what you may want to cover. Give us a call today at (410) 799-2142 or stop by our Commercial Insurance Managers office on 8170 Lark Brown Rd.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Commercial Insurance Managers also offers products in AL, CA, CO, DE, DC, FL, GA, HI, IN, MD, MI, MS, NV, NY, NC, OH, OR, PA, SC, TX, UT, VA, WV, NJ. Please call for information on products in those states.
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