Auto - Homeowners - Business Insurance for
Lutherville, Timonium & Cockeysville, Maryland

PERSONAL INSURANCE
Find the best rates and the best terms on homeowners, renters, condo and flood insurance as well as auto, boat and motorcycle insurance for you and your family.

BUSINESS INSURANCE
We help you create a good business/commercial insurance package designed especially to fit your industry and offer your company the best coverage.

LIFE INSURANCE
This popular financial tool can be used for many purposes besides just paying for you final expenses, depending on the type of policy you choose.

GET A QUOTE
As an independent insurance agency, we will do the research and compare a number of insurance carriers to give you the best options and rates to meet your needs.

Workers Compensation Insurance for MD, VA, PA Businesses

Making your workplace safe is certainly one of your top priorities. Even so, accidents can happen. Having Workers Compensation insurance protects your company from litigation and covers injured employees’ expenses.

Here at the William M. Sparks Insurance Agency in Lutherville / Timonium, Maryland (Baltimore County), we know the state guidelines and will help you comply with your state’s requirements whether you do business in Maryland (MD), Virginia (VA) or Pennsylvania (PA).

Workers Comp Insurance Required by Most States

In almost all states, employers are required to carry Workers Compensation insurance – or “workers comp” as it is commonly called. This insurance protects you as an employer against lawsuits arising from workers injured on the job or developing work-related illness – whether it occurs on your workplace premises or elsewhere, including cases of business-related traffic accidents. Workers comp coverage applies regardless of who was at fault.

Scope of Workers Comp Coverage

Typically, Workers Compensation will pay for the following:

Time lost from work
Rehabilitation services
Medical/surgical services

Your state dictates the duration and amount of lost wage benefits as well as guidelines for coverage of medical and rehab services, benefit disputes, etc.

Because of the nature of this type of insurance, your business insurance package will not include it. It is necessary to carry a separate policy for Workers Comp insurance.

Whether you’ve just hired your first employee or you are a seasoned employer, you might be wondering what you are required to do and what your options might be. Our representatives here at the William M. Sparks Insurance Agency in Timonium, MD, can bring you up to speed on this critical coverage. So why not contact us to discuss your needs or request a quote today if you do business in MD, VA or PA.

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency before making any decisions or choosing a course of action.

Business Auto / Commercial Vehicle Insurance

Covering your business auto and other commercial vehicles against losses is an important part of your business insurance portfolio. Many variations and options exist to assure that you have the right coverage for your vehicles for your particular operation. Here in Lutherville / Timonium, Maryland, at the William M. Sparks Insurance Agency, we know the guidelines for your state, and we can help you sort out the options and create a policy that perfectly fits your needs. It is strongly advised that your commercial auto insurance policy carry the same basic coverages that you carry on your personal vehicle insurance.

Commercial Auto Coverages Usually Include:

Comprehensive coverage – pays for theft or damage to your car caused by something other than a collision.
Collision coverage – pays for damage to your business automobile during an accident.
Liability coverage – covers damage that you cause to someone else’s vehicle or property.
Personal injury protection – pays for injuries to you and your passengers and can cover lost wages, medical payments and even funeral expenses.
Uninsured/Underinsured motorist coverage – further pays when an at-fault driver’s insurance is not sufficient to cover your loss.

Even though the basic coverages are much the same as your personal auto coverages, a policy for business vehicles differs in many important ways; and there are many possible variations and options, depending upon your business circumstances and needs.

For business-owned vehicles, it is important to show the name of the business on the commercial auto insurance policy as the ‘principal insured’, especially if you use the car for both business and personal transportation. By doing so, if someone files a claim against you or you must file a claim, there will be no confusion.

With the many options and variations you have to consider for business vehicle coverage, you will find that the experienced representatives a the William M. Sparks Insurance Agency can make the process of purchasing commercial auto insurance an easy one. So contact us today to discuss your needs.

General Liability / Contractor Liability Insurance MD, VA, PA

Is General Liability Insurance Just for Contractors?

A wide range of businesses would benefit from General Liability coverage, including contractors. Here in Lutherville / Timonium, MD, at the William M. Sparks Insurance Agency, we have helped many business owners in Maryland (MD), Virginia (VA) and Pennsylvania (PA) to have the protection they need.

Whether your specialty is HVAC, Lawncare, Carpentry, Electrical Wiring or something similar, you need liability insurance coverage that follows you and your employees to your job sites. General Liability protection which includes Bodily Injury and Property Damage protection is likely the right fit for your business on-the-go.

General Liability Insurance may include the following coverages:

Premises & Operation – for claims arising from your insured location (owned, leased, or rented) and the work operation or services you provide to your customers
Products and Completed Operations – for claims arising from the product you have manufactured or the work you have completed

In addition to general liability protection, you may also want to consider...

Equipment & tool coverage – you need to protect the tools and equipment essential to your business.
Builders Risk & Installation Floater coverage – protection for the building under construction or building materials before they are installed and become part of your client’s structure.

Whether you are new to your business or a seasoned business owner, you will find answers and assistance are just a phone call or e-mail away when you rely on the experienced representatives at the William M. Sparks Insurance Agency. We can help you assess your needs and your options. So contact us to get the protection you need today.

Renters Insurance protects your belongings and covers others’ claims.

Whether you rent a house or an apartment, you will need to protect your personal property and insure against others’ claims of damage or injury.

Here in Timonium, Maryland at the William M. Sparks Insurance Agency, we can help you understand your options and responsibilities as a tenant and walk you through making the renters coverage choices for your personal property whether you live in Maryland (MD), Virginia (VA) or Pennsylvania (PA).

Renters (or Tenants) insurance is your financial protection from destruction or loss of your possessions or for personal liability claims brought by others.

Renters Coverage – Policy Features

A renter insurance policy provides the following types of coverage:

Personal property coverage protects your belongings against loss or against damage in your home or elsewhere.
Personal liability covers claims brought against you by others for their bodily injury or damaged property occurring at your home or elsewhere when you, your covered family members or your household pets are at fault.
Loss of use covers your additional living expenses if/when you are forced to live elsewhere while your home is repaired/rebuilt after a covered peril loss.

All Renters Policies are not Alike.

You may purchase coverage with two different valuation methods:

Actual cash value reimburses the full value of your lost/damaged possessions up to the limit of your policy after deduction for depreciation.
Replacement cost does not deduct for depreciation.

Optional Renters Insurance Coverages

As a tenant, your renters insurance policy may be tailored to respond to your specialized needs by adding optional coverages such as:

Sewer or Drain back-up coverage
Earthquake coverage

Our capable agents here at the Sparks Insurance Agency have experience with renters insurance; and with their help, you can learn more about available discounts and coverage choices to create just the right policy for your needs. So why not contact us today to discuss how we can help or get a free quote.