Balfour Insurance Agency

We are here to guide and advise you.  To help you decide what coverages are appropriate or needed.   If your an individual, family, or a business in your home.  If you are a corporation with 700 employees, insurance can be complex and confusing.  That's why you can always turn to a Licensed Professional Insurance Agent.  Independent Insurance Agents represent more than one Insurance company.  We do our best to find a match between you and the multiple Insurance Companies we represent.

Since we represent more than one insurance company we are able to offer a wider variety of coverages.  If you were to look at your homeowners policy, check to see if you have, back up of water sewer drain or coverage for your jewelry off premises.  If you look at your automobile policy, did you get rental car coverage, what about "Personal Injury Protection" (PIP)?  Did you get "Full or Limited PIP"?  What's the difference?  Were the coverages explained?  Did you even know you had the option to buy these coverages?  Call us we'll make sure to do our best to explain the coverages to you, and your options.

This insurance protection is designed for an owner occupied property. These policies have several coverage sections: Comprising Property, Liability and Theft Coverages. See the Homeowners 101 page for more info.

These policies are designed to provide coverage for Private Passenger Vehicles.  Many coverages are available.  In Md, DC & Va, mandatory coverages start with Liability, Uninsured Motorist, Under insured Motorist, Personal Injury Protection(PIP), or Medical Payments.  Many states have mandatory minimum limits of Liability coverage. See Automobile Insurance 101 for more info.

Condo Insurance is probably one of the more complex policies out there. Condo policies try to bridge the gaps between the Condo Associations Master Policy (which covers the Building collectively owned by the Association along with Premises Liability of the Association) and the Individual unit owners, Property.  See Condo Owners 101 for more info.

Large or small, it does not matter where your business is located. Either in your Home or in an Office building, business insurance is a must. All business policies are not the same, however they usually contain: Commercial General Liability  (CGL), Business Property and Loss of Business Income, Medical Payments to Others.  See Business Insurance 101 for more info.

Workers compensation is a system of benefits mandated by law for most workers who suffer job related injuries or diseases. See Workers' Compensation 101 for more info.

Commercial General Liability (CGL) Insurance protects an insured from a wide variety of commercial exposures. Primarily covering the insured's legal liability that would arise out of injuries or damage suffered by customers, tenants, clients, or the general public. For more info see Commercial General Liability 101.

Commercial Automobile Insurance is coverage for automobiles, vans, and trucks that are primarily used  for business purposes, Commercial Auto Policies may be added to a Commercial Package Policy.      For more info see Commercial Automobile Insurance 101.

This Insurance is designed for a person who does not own the Premises that they are living in.  You do not have to pay rent to need this coverage. With similar coverage to a Homeowners policy minus coverage for the Dwelling.  Personal Property, Liability and Theft coverages. See the Renters/Tenants Insurance 101 page for more info.

Rental property insurance is for non-owner occupied or seasonally rented properties. That are owned in an individual or a business name, this can sometimes be known as a Landlord Policy.  Typical Coverages include coverage for the dwelling/structure and liability. There is never any coverage for the tenants or renters belongings they need their own renters insurance. See the Rental Property Insurance 101 page for more info.

Inland Marine Insurance is designed for Items that do not stay in one fixed place. Items on the move like Jewelry & Musical Instruments.  Inland Marine offers better coverage for possessions that are specifically described and Valued (usually with an appraisal) and are limited to how they are covered in a Homeowners or Renters Policy.                                See Inland Marine Insurance 101 for more info.

Vacant Property Insurance is for those who's home or Buildings that are Vacant and, for sale, an Estate Property, or abandoned.  See the Vacant Property Insurance 101 page for more info.

If it is a One Day Event or Multi-Day Event they can also require coverage, accidents do happen and insurance can protect you, the guests as well as other aspects of the event. With some policies they offer Rain Date coverage.  See One Day Event Insurance 101 for more info.

Wedding Insurance is there to provide you with peace of mind on your wedding day, in the event of a an accident.  You can purchase wedding insurance to protect you and your guests. Many Rental Halls place Have requirements for Insurance before you can rent their facility.  See the Wedding Insurance 101 page for more info.