Insurance Partners, LLC

A L Howes Insurance Agency, Inc. is expanding at our Towson location! We are seeking a Customer Service Representative in our personal lines department who is smart, dedicated, and a hardworking team player. Our agency offers hands-on training, along with a nice full benefit package and salary. No experience is necessary. Willing to train the right person. If interested, please email ([email protected]) with your resume and cover letter.

Happy 4th of July.

The culture of Erie Insurance is demonstrated by their relief efforts to customers. The gold line on the chart below illustrates their commitment. Please call or email if you would like an Erie quote, you will be happy you did.

Great news from Erie Insurance Co.

Proud to represent such a great company.

A Message from Richard Bagby, Managing Member of Insurance Partners
We want to assure our customers that as we all struggle to adjust to the daily challenges of dealing with the COVID-19 virus, we have taken steps to ensure that we will be there when you need us. For the safety and well-being of our employees and clients, last week we implemented emergency procedures that allow our staff to operate remotely with all our normal capabilities. We are fully operational and ready to assist you with servicing your insurance needs, including any claims or claim-related questions you may have. We can be reached during normal business hours through email or telephone.
In the interest of providing Marylanders with information on potential Business InterruptionCOVID-19 virus related claims, the Maryland Insurance Commissioner issued a statement (see the link below) addressing the standard interpretation of coverage for Business Interruption losses. They also want Marylanders to know that they are vigilantly monitoring the actions of carriers doing business in Maryland to ensure that their policy interpretations fairly and accurately conform to their policy provisions for coverage.

Be safe, stay healthy and let us know if we can be of help!

Richard H. Bagby

https://insurance.maryland.gov/Pages/newscenter/NewsDetails.aspx?NR=2020256

Maryland Insurance Administration Advisory on Business Interruption Insurance


​BALTIMORE – The Maryland Insurance Administration is receiving a high volume of inquiries about Business Interruption insurance.

Business Interruption coverage is typically triggered under a commercial insurance policy when a covered risk / peril causes physical damage to the insured premises resulting in the need to shut down business operations. For example, if a fire damages a business and the business cannot operate during repairs, business interruption coverage would be available subject to the terms and limits in the policy.

Most policies require a waiting period of 24 to 72 hours before coverage begins and coverage continues for the reasonable period of time to restore the property and reopen, subject to the coverage limit of liability. Some commercial policies provide Business Interruption coverage when a business is shut down due to an Order by a civil authority. However, the policy still typically requires a physical loss from a covered peril as the underlying cause of the business shut down to apply.

All insurance policies have exclusions of coverage for risks that are too great to be underwritten at an affordable price. For example, commercial and personal property insurance policies typically contain specific exclusions for loss or damage caused by war, nuclear action and radiation. The potential loss costs from such perils are so extreme that providing coverage would jeopardize the financial solvency of property insurers. Global pandemics like COVID-19 usually fall into this category. However, policies can be different. We recommend that businesses review their policies and reach out to their insurance professionals with any questions.

The Maryland Insurance Administration would like to reassure Maryland businesses that we are closely monitoring insurance issues related to COVID-19. Our core mission is making sure insurance companies treat customers fairly and follow the provisions in their policy and applicable state laws. We are monitoring relief activity efforts aimed at assisting individuals and businesses at the local, state and federal levels. As information regarding relief programs becomes available, it will be posted on our website: www.insurance.maryland.gov.

About the Maryland Insurance Administration

The Maryland Insurance Administration is an independent State agency charged with regulating Maryland’s $28.5 billion insurance industry. For more information about the Insurance Administration, please visit www.insurance.maryland.gov or follow us on Facebook at www.facebook.com/MDInsuranceAdmin, Twitter at , LinkedIn at www.linkedin.com/company/maryland-insurance-administration or Instagram at .

NewsDetails ​BALTIMORE – The Maryland Insurance Administration is receiving a high volume of inquiries about Business Interruption insurance.

Dear friends and colleagues,
Please be assured that we are here to service your needs and answer your questions in these troubling times. Our staff is fully operational and working remotely to limit potential exposure to the COVID-19 virus. You can access our client managers either through email or their phone extension.

Thank you for your understanding and stay well.

We will be closing at 3pm TODAY in anticipation of the New Year! We look forward to seeing you on the 2nd day of 2018!!

Ask us about Erie Insurance’s Rate Lock protection! (410) 828-8840

With icy roads possible, use caution while driving and always buckle up!

Snowstorms & Extreme Cold | Ready.gov This page explains what actions to take when you receive a winter weather storm alert from the National Weather Service for your local area and what to do before, during, and after a snowstorm or extreme cold.Know your riskWhatA winter storm occurs when there is significant precipitation and the tem...

Merry Christmas from all of us at Insurance Partners, LLC.!

Our office will be closing at noon tomorrow so we can get a head start on spending Christmas with our families! We will reopen on the 26th! We wish you all a very happy holiday!

We sure are! Ask us about our business or commercial insurance policies! (410) 828-8840

Fun holiday activities to enjoy with the whole family!

Fun Things to Do with Your Family in December Find fun things do in winter. From baking to getting ready for the holidays, these December activities are perfect for families to enjoy together.

Will your company’s car insurance cover a snowy accident? Better review your policy! (410) 828-8840

Insurance Partners, LLC - Commercial Vehicles Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies usually include collision and ...

We wish our followers a very Happy Hanukkah!

The state of Maryland recently announced its new Smoke Alarm Law. Make sure you understand the updated requirement.

Maryland Updates Smoke Alarm Law: What You Need to Know!

If you heat your home with a fireplace, here are some great tips to help keep you and your family safe!

Fireplace Safety Tips - FastFireplaces.com Get the knowledge you need to safely operate your fireplace straight from the pros at FastFireplaces.com

Go behind the scenes to see what goes into making a safety video! 🔥

Merry Mishaps Behind the Scenes Erie Insurance

Is your home winter ready? Take a look at this list and be prepared!

Fall and Winter Home Maintenance Checklist Now that fall is officially here, it\'s time to prepare your home for cold weather. These steps, most of which you can do yourself, will lower your...

It’s cold outside, but our insurance rates for restaurants are hot, hot, hot! Contact us for a FREE quote! (410) 828-8840

During this time of kindness and giving, consider donating to a local charity. Toys for Tots, and the Maryland Food Bank are just two that come to mind. What are some charities you donate to?

Do you know how much commercial auto coverage you need? The knowledgeable agents at Insurance Partners, LLC. are here to help with any questions you may have! (410) 828-8840

Insurance Partners, LLC - Business Insurance The success of a business, whether it's a tiny enterprise run out of a basement or a large corporation, is largely dependent on hard work and...

What are some of your tips?

Holiday Travel with Kids Whether you’re heading across town to Grandma’s house or across the country to visit family and friends, it’s important to be prepared if you’re traveling with kiddos.

Happy Thanksgiving from all of us here at Insurance Partners, LLC.!

Insurance Partners, LLC. will be closed on Thursday and Friday in observance of the Thanksgiving holiday! We wish everyone a wonderful day filled with friends, family, and lots of good food!