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Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Protect Your Maryland Business From Unexpected Events With Commercial Insurance

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No business is safe from unexpected events. That’s why commercial insurance is so important. It can help you protect your business from a wide range of risks, including property damage, liability claims, and interruptions to your business operations. At Knippenberg Insurance Inc, we understand the unique dangers businesses in Cumberland, MD face. That’s why we offer a comprehensive selection of commercial insurance products to meet your needs.

Types of Commercial Insurance

Many commercial insurance policies are available. The right coverage for your business depends on several factors, including the size and type of business, the products or services you offer, and the risks you face. Some of the most common types of commercial insurance include:

Property Insurance: This type covers physical property damage caused by fires, storms, and vandalism. It may also cover loss of income if it forces your business to close because of property damage.

Liability Insurance: This protects your business from financial losses related to liability claims arising from personal injury, property damage, and professional errors.

Business Interruption Insurance: This type of insurance can help cover lost income and expenses if the loss forces your business to close or reduce operations because of an unexpected event like a natural disaster or a power outage.

Commercial Auto Insurance: This type of insurance protects businesses that use vehicles for business purposes. It can cover vehicle repairs, medical expenses, and legal costs resulting from an accident.

Product Liability Insurance: This type protects businesses from financial losses related to claims arising from defective products or injuries caused by using the product. 

We Are Here To Help!

Don’t wait until it’s too late—protect your Cumberland, MD business with commercial insurance today. For more information about our products and services, contact Knippenberg Insurance Inc. today.

First-Time Homebuyer? Check Out These Five Things You Need to Know About Buying Homeowner’s Insurance

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Buying a home for the first time? Congratulations! There are a few things you’ll want to consider as you search for the right homeowner’s insurance policy for you. If you’re getting ready to buy home insurance in the Cumberland, MD area, Knippenberg Insurance Inc. is here to help. 

Five Things You Need to Know About Buying Home Insurance

1. Shop early.

Don’t wait until the last minute to discover the right policy for your needs. Shopping early gives you plenty of time to consider exactly what you want from a policy and find the best rates for you.

2. Decide how much coverage you need.

You’ll want to consider how much you have in emergency savings and other factors when deciding what level of coverage is a good fit for you.

3. Compare rates.

Take your time comparing rates, and don’t be afraid to take your time before committing to an insurance company.

4. Get an idea of what you’ll need for your emergency fund.

When you know what’s going to be covered by your insurance policy, you can begin to stow away money in the event that you have an emergency. 

5. Purchase your policy before closing.

You’ll need to have your policy in place before you close on your house, so be sure to work with your agent to ensure that your paperwork will be signed and completed before the day you get the keys to your home.

Give Us A Call

At Knippenberg Insurance Inc., we’re proud to serve our Cumberland, MD customers. We’d love to chat with you about our home insurance options as you go through the process of purchasing your first home. Reach out to us today or stop by our office to learn more about what we have to offer. 

The Necessity of Farm & Crop Insurance

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Cumberland County consists of approximately 70,000 acres of farmland. In terms of state productivity, Cumberland ranks number one in vegetable, potato, and melon production. The county also accounts for almost 20% of the state’s agricultural market value. Cumberland also supplies vegetables to New Jersey and numerous cities in the eastern U.S. and Canada.

It is safe to say that a lot of people earn a living from farming in the county, making it especially important to safeguard not only their livelihood but also the supply of foodstuffs that they provide. That is why we at Knippenberg Insurance Inc. provide coverage for farmers in Cumberland, MD. 

The Need for Farm and Crop Insurance

  • Stabilization of income within the county. Many people in the county rely on the agricultural sector to put food on their tables. Insurance protects farmers against losses emanating from crop failure. It serves as a utility that lets farmers manage output and price risks.
  • Minimization of debts. Insurance enables farmers to honor loan payments even when crops fail. This ensures that farmers keep most of their income even in tough times when they have little to get by with.
  • Technological advancement. Insurance vendors work with agri-business platforms that utilize IoT to improve agricultural practices. Incorporating such technologies enables a reduction in losses and helps streamline crop production, resulting in more revenue for farmers in the county.
  • Provide awareness and education. Insurance vendors sometimes offer workshops and educate farmers on the latest farming methods and measures they can take to increase yields. This way, farmers improve the business side of their activities.

Give Us A Call

Considering the agricultural output and income the county provides, farm and crop insurance is essential for farmers in the county. To learn more about how you can benefit from such policies, contact Knippenberg Insurance Inc. serving the greater Cumberland, MD region.

What type of life insurance should I get in Maryland?

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As you are looking to create a quality personal insurance plan in the Cumberland, MD area, getting a proper life insurance policy is very important. When you are looking for coverage, a good type of insurance to consider is life insurance as it offers financial support for your dependents and other benefits.

When you are looking for coverage, there are different options to consider. It is important to consider the benefits of each option when you are evaluating your different options.

Types of Life Insurance

Term Life Coverage

If you are looking for a new insurance plan, a term life policy is a good option for many people. With term life, you will receive a certain level of coverage for a specific period of time, which can be 25 years or longer. If you are looking for coverage, this is often ideal as the plans can be more affordable and you are able to curtail coverage amount and length based on your needs. 

Whole Life Coverage

Another option to consider is whole life coverage, which can provide you with support for the rest of your life. An added benefit is that part of the payments goes into an account that will build with interest and eventually can be liquidated. This has continued to make it a good and conservative addition to any personal financial investment plan as you prepare for the future.  

Contact Us Today

Anyone living in the Cumberland, MD area will want to know that they have proper insurance in place. When you are looking for this insurance here, calling the team with Knippenberg Insurance Inc. is a great idea. The professionals with Knippenberg Insurance Inc. know the value of this insurance and will help you create an ideal policy. This will include helping you understand the different options, so you pick the right plan. 

Purchase Auto Insurance – It’s the Law!

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Did you know it is against the law to drive without car insurance in 48 states? If you live in New Hampshire or Virginia, you’re in the clear. But all other states require it. If you live in or near the Cumberland, MD area, see Knippenberg Insurance Inc.

Auto insurance helps protect drivers involved in accidents that are not their fault. Insurance helps to ensure that each driver who could cause an accident has enough insurance to cover a minimum level of costs for damage and injury.

Here are six common types of car insurance coverage:

  • Liability coverage protects you if you cause damage or injury to someone else. It is basic car insurance that everyone is required to have. Requirements vary by state, but this coverage is broken down into two types: personal injury and property damage.
  • Uninsured and underinsured motorist coverage protects you if you are hit by a motorist with no auto insurance or not enough insurance.
  • Collision coverage will cover your car if you hit another vehicle, person, or non-moving object.
  • Comprehensive coverage helps pay to repair or replace your car if it is stolen or damaged in an incident not involving another vehicle.
  • Personal injury protection or PIP, also known as no-fault insurance, covers medical costs regardless of fault.
  • Medical payment coverage is required in some states but optional in others. It covers the medical expenses of those in an accident while in your vehicle.

Give Us A Call

Don’t put yourself at risk by driving without car insurance! Your financial future could suffer, you could lose your license, or be fined a hefty sum. It is not worth it.

Contact the professionals at Knippenberg Insurance Inc. in Cumberland, MD today for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Commercial Insurance Requirements and Options in Maryland

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If you own a business in the beautiful state of Maryland, you will want to have a commercial insurance policy in place to protect your business as well as your inventory. Our agents at Knippenberg Insurance Inc. in Cumberland, MD know and understand that your business is your livelihood and they will help you to protect your business through an adequate amount of commercial insurance.

Is Commercial Insurance Required for Your Maryland Business?

In the state of Maryland, all drivers must have at least an auto liability insurance policy in place to be able to abide by state laws. This law includes all vehicles owned by a company as well as personal vehicles that are driven for business use. This type of policy will assist you or one of your employees to help pay the medical bills and property damage of someone you or they become involved in an accident with.

What Does Commercial Insurance Cover?

Commercial insurance covers a variety of different aspects of your business. For instance, if there is a security breach of your business’s computer system, a commercial liability policy will come in handy. It can help pay for any litigation and other things related to a cyber security breach.

Commercial liability insurance can assist you if an employee or a customer is injured on your business property. This type of policy will assist with their medical bills and lost wages if necessary. This can also protect you and your business if you happen to be sued for breach of contract, libel, or slander.

Property insurance is extremely important because it will help you recoup lost inventory if it is stolen or if it is damaged due to some sort of natural disaster, an act of vandalism, or even a fire. If you own the building that your business is housed in, this type of policy can also cover the structure of the building in case it is damaged or destroyed by one of these factors.

Give Us A Call

To create a commercial insurance policy that is best for you and your business, contact our trustworthy, experienced, and knowledgeable commercial insurance agents at Knippenberg Insurance Inc. in Cumberland, MD today!

Does My Mortgage Company Require Me To Have Home Insurance?

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Many mortgage companies require their borrowers to have home insurance. As a homeowner, you may be wondering if this is something you’re legally required to do or if your mortgage company is just trying to protect its investment. The answer, unfortunately, is a little bit of both. Knippenberg Insurance Inc. in Cumberland, MD is here to explain why you need homeowners insurance.

Why You Need Homeowners Insurance

Home insurance is not required by law, but many mortgage companies will not give you a loan unless you have it. That’s because your home is the collateral for your loan, and the lender wants to be sure that its investment is protected in case of fire, flooding, or other disasters. 

If your house is destroyed and you don’t have insurance, the lender could end up losing a lot of money. That’s why most lenders require proof of home insurance before they’ll approve your loan. Even if your state doesn’t require it and your lender doesn’t strictly enforce it, getting home insurance is still a good idea. 

How Much Coverage Do You Need?

The amount of coverage you need depends on several factors, including the value of your home, the type of home you have, and the number of personal belongings you own. It’s a good idea to work with an independent insurance agent to determine how much coverage is right for you. At Knippenberg Insurance Inc., we specialize in helping our clients find the right homeowners insurance policy for their needs. We’re here to help you every step of the way, from finding the right policy to filing a claim. 

Get Home Insurance Today

Whether or not your mortgage company requires homeowners insurance, it’s still a good idea to purchase a policy. Homeowners insurance can protect your home and belongings in the event of damage or destruction. When shopping for homeowners insurance, get in touch with us at Knippenberg Insurance Inc. in Cumberland, MD, and we will help you find the right policy for your needs.

How Does Crop Insurance Work?

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Are you a new farmer? If so, you need to know about crop insurance. This vital tool can protect your farm from devastating losses in the event of a natural disaster or other unforeseen events.

Consult with Knippenberg Insurance Inc. in Cumberland, MD for expert advice on your insurance coverage.  Here, we will cover everything you need to know about crop insurance, including what it is, how it works, and why you need it. Read on below for all the details.

What Is Crop Insurance?

Crop insurance is a type of insurance that protects farmers from losses due to crop damage or loss. It can be purchased by farmers to protect themselves from losses due to weather events, pests, and other unforeseen events. Additionally, agricultural businesses can also purchase crop insurance to protect their crops from damage or loss.

How Does Crop Insurance Work?

Crop insurance plays a vital role in protecting farmers against financial risk. Farmers who purchase crop insurance pay premiums to private insurance companies, which in turn reimburse them for their losses. The amount of the reimbursement is based on the terms of the policy and the value of the crop at the time of loss.

Why Do You Need Crop Insurance

As a new farmer, you need to be aware of the risks involved in farming. These risks include weather events, pests, and other unforeseen events. While you can’t control the weather or prevent pests from damaging crops, you can protect yourself financially by purchasing crop insurance.

This insurance will help you cover your losses in the event of a disaster, allowing you to continue farming and providing for yourself and your family.

Purchase Crop Insurance Today

So, there you have it, everything you need to know about crop insurance. This essential tool can help you protect your farm from financial ruin in the event of a natural disaster or other unforeseen events. 

If you’re ready to get crop insurance, contact Knippenberg Insurance Inc. in Cumberland, MD and we will be happy to help you find the right policy for your needs. We have been helping farmers find the right policy for their crops and we are here to help you too.

Life Insurance FAQs

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Life insurance is one of the most important types of insurance you can purchase to benefit your family. At Knippenberg Insurance Inc. in Cumberland, MD, we provide personalized service for our customers and we can design an insurance plan that is right for them. We have access to many insurance carriers and it allows us to offer you more choices. 

Life Insurance FAQs

Is there a limit to how much life insurance I can have?

No, your finances are your only limit to how much life insurance you can have. You may get life insurance as part of a benefits package and you should have some of your own as well. You can also purchase it from different companies and have both whole life and term life insurance. 

Can my life insurance be canceled?

Yes, like any kind of insurance, your life insurance can be canceled if you don’t pay your premium. Most policies have a grace period, so if you are having financial difficulties, call your insurance company. If it’s discovered that you lied on your application for life insurance, your policy may be canceled as well. 

Can I choose anyone I want as a beneficiary?

Yes, the choice of beneficiary is strictly up to you. However, keep in mind that a minor will not be able to collect the benefit until they are of legal age in the state where they live. 

Can I borrow from my life insurance policy?

If you have a whole life policy and it has cash value accumulated, you can borrow against it. Term life insurance doesn’t accumulate cash value. 

Contact Us Today

Knippenberg Insurance Inc. in Cumberland, MD is here for you from the moment you purchase your policy through any claims you have. Give us a call or send us an email to discuss your life insurance needs. 

Who should get an auto insurance plan in Maryland?

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In the Cumberland, MD area, it would be a good idea to own a car as it will make life much more convenient as you will have an easier time getting around the community. Along with your car purchase choice, you also need to carefully select an insurance plan. There are various situations when someone in this part of Maryland should get an auto insurance plan to protect themselves and their vehicle.

Who Should Get Auto Insurance?

Those Driving on a Public Road

A common situation in which anyone will need to have an auto insurance plan is when they are going to drive on a public road. Any motorist that wants to use their car in Maryland is required to abide by the standard insurance laws. This includes requiring that all people carry liability insurance. If you are caught driving without this support, you will be in violation of state law. 

Those with a Loan Outstanding

You also should get an auto insurance plan if you have a loan outstanding. Taking out a loan to finance the purchase of a car is very common. If you choose to do so, it is important that you follow all the requirements. In many cases, this will include carrying auto insurance with full collision and comprehensive support. Without this coverage, you could be in violation of your loan agreement. 

Contact Us Today

People that live in the Cumberland, MD area need to ensure that they have proper auto insurance at all times. If you are looking for coverage here, it would be a good idea to call Knippenberg Insurance Inc. The professionals at Knippenberg Insurance Inc. understand the need and value of this coverage. They will help you choose a plan that keeps you in compliance with any insurance obligations you may have. 

Partner Carriers

  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Frederick Mutual
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich