The Sparks Insurance Referral Program

When we get a referral from a client or a friend in the community like yourself, it means a lot to us.  The experienced agents here at William M. Sparks Insurance in Timonium, MD, work hard to earn each referral by providing “top notch” service with every call and visit. 

Now, we’ve found a way to say thank you for this business:  Our new Sparks Insurance Referral Program.

It’s our way of showing appreciation for all the referrals our loyal friends have sent our way.

So, beginning right now, when you refer someone new to the William M. Sparks Insurance Agency and they mention your name, you will be entered into our next drawing. We draw a new winner every Spring and Fall. If your name is drawn, you'll... 

win a Gift Card from Amazon or another popular retailer.

CONGRATULATIONS to our newest Referral Program Winner for Spring/Summer 2022 - Patti B.

A referral  is when we get a call or a visit to our office (or a submission using any of the Quote request forms through our website) coming from someone who either resides or has a business within our service area (Maryland, Virginia, Pennsylvania) who is new to our agency requesting a quote and saying you referred them to us.

It’s that simple!  As long as you are 18 years of age or older, your referral will be credited to you even if the person you refer does not ultimately purchase a policy from us after applying. It is not necessary that you be a current client of our agency in order to qualify.

So why not give it a try?  Who do YOU know who could benefit from exceptional insurance service with some of the most well-rated companies in the industry offering the best rates and coverages?

Sparks Insurance Referral Program Guidelines
Effective: July 15, 2011

1. For the purposes of this Program, a Referral is a qualified prospect – that is, a person who will give us all the necessary information to create a quote and who has a currently-existing insurance policy for us to use for comparison.  We reserve the right to exclude as ineligible for this program any referral who has had no prior insurance or who requires high risk auto or other hard-to-place insurance.
2. There is no limit on the number of referrals you may make. You earn a chance in our prize drawing each time you provide a qualified referral, and there is no limit on the number of chances you may create for yourself.  The odds of winning the prize during the drawing are entirely dependent on the total number of chances created during the referral program period.
3. The referral program is open to any person age 18 or over who refers at least one eligible prospect to our agency.
4. The qualified prospects that are referred do NOT have to purchase an insurance policy (i.e., become our client) in order for the referring party to receive any of the rewards and/or chances in this program.
5. We are not responsible if law prohibits you from accepting the prize because of age or any other factor should your name be drawn as our winner.
6. This referral program and the rewards provided are open to any person who refers a qualified prospect to our agency. You do NOT have to be a client of our agency in order to be eligible to participate in this referral program. Agency employees and their immediate family members are not eligible.
7. You do NOT have to be present at the drawing to win the prize.  However, you must visit our office in person to claim your prize should your name be drawn as the winner. 
8. The prize awarded during the drawing is not transferrable and may not be redeemed for cash or other substitution.
9. We reserve the right to change or discontinue this referral program at any time without notice.
   
   

Welcome to the William M. Sparks Insurance Agency in Lutherville - Timonium Maryland (MD).  Please take a moment to get to know our staff and feel free to contact us at your convenience to discuss your personal and/or business/commercial insurance needs in Maryland (MD), Virginia (VA) or Pennsylvania (PA).

About Melanie Nichols

Hello, my name is Melanie Nichols. I graduated from Kenwood High School and continued my education in college..  I have enjoyed working with the William M Sparks Insurance Agency and getting to know all the customers. I have helped the agency become paperless, taking payments and have learned a lot to help with customer service questions. I feel that my joyous personality is a lift to our customers. I look forward to getting to know more and help with general insurance needs.

Most businesses require a number of insurance coverages to fully protect their business from property and liability risks.  These protections may be available in a single package policy, or you may need to purchase several different policies to make a custom plan that properly protects your business against  loss. 

Here in Lutherville / Timonium, MD, at the William M. Sparks Insurance Agency, we can help you explore your options and develop just the right insurance package to meet your unique business needs. 

Some of the most common Business Insurance Packages are for:

• Retail, Professional Office, Service and Manufacturer
• Real Estate, Property Owners, Landlords
• Restaurants
• Automobile Dealers, Garages, Repair Shops, Service Stations

Basics of Business Insurance Package Plans

A business owner policy would be well suited to your business if you are seeking two important types of insurance protection: business property and general liability coverage. 

• Business Property Insurance – provides protection for your building and/or business personal property (contents) from damage caused by a covered loss such as fire. 
• Business General Liability Insurance –  your business may need general liability and /or professional liability which pays for claims by third-parties for injury or property damage loss for which your business is found liable.  It may also cover the medical expenses of third-parties injured by/on your business premises.

Optional Business Insurance Coverages

In addition to the two coverage basics, there are other insurance policies and coverage enhancements you might need to consider, depending upon the scope of your business, such as the following:

• Business interruption insurance / Loss of Rental Income
• Errors and omissions insurance
• Professional liability insurance
• Employment Practices Liability Insurance

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. 

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.