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Posts Tagged: hurricane-damaged vehicle
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Goldsborough handles all my insurance needs- home and business. Every person in the office is knowledgeable, friendly and extremely helpful. They research pricing against coverage to be sure we are getting the best in both areas and have switched us to other options when appropriate. Don Grauel- the owner- is always available to assist or explain- even if it is to explain something to a non-client. His availability was especially appreciated when my daughter was rear-ended recently and her car was totaled. His calm demeanor... Read more »
—Lessman Katz Law LLC, Lutherville, MD
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Leaving the insurance industry after a 15+ year career, I started to search for an insurance company to handle my coverage. I shopped many independent insurance businesses and decided to do business with Goldsborough not because of their competitive price, but due to their customer service. They are not just order takers, they ask the important questions that match the coverage you need.
—John L., Towson, MD
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The three Hs are gone from the Baltimore weather forecast and beautiful fall colors are about to hit the trees. Head outside to enjoy the beauty and use our fall home maintenance tips to prep your home and yard for the cooler temps to come. You’ll be happy you did! Here are 14 tips for your fall home maintenance to-do list: 1. Roof Since Maryland can be a snowy state, it’s a good idea to start your fall home prep by inspecting your roof before... Read more »
—14 Fall Home Maintenance Tips To Prepare For Winter Weather
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After six years of great service, I made the mistake of trying to get a lower premium on a random insurance site. I actually signed on the dotted line and didn’t check the coverage. So I reached out to Terri Quingert who fixed everything and saved me money! She was so patient and kind. Thank you, Terri and Goldsborough.
—Emily A., Baltimore, MD
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Always responsive, always fast. Provides detailed suggestions and explanations. I’ve been with them and their predecessor for almost 25 years.
—Timothy S., Severna Park, MD
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WARNING: This is a deviation from our typical insurance/risk management post! It is also a blatant theft of a very similar piece posted by Neal Freyman, the managing editor of Morning Brew – one of my morning “must-reads” (Don’s referral code – morningbrew.com/daily/r/?kid=c21302). Goldsborough Insurance has been working from home (“WFH”) since only a few short days after Maryland Governor Hogan shut down non-essential offices on March 23, 2020. Yes, insurance was deemed essential, but I felt a civic duty to do my part in... Read more »
—Work From Home “Success”
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The local agent we deal with – Terri Quingert – is terrific. She’s the reason- it’s been a long-term, very helpful association. Her advice is excellent and we’ve always felt she tried to get us the best coverage within a reasonable price point. When there has been an issue, she is very responsive. So, as always, it’s the people within a company that maintain the customers.
—Elizabeth K., Baltimore, MD
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Because I know I can trust your quotes, coverage, and service in my best interest as your client.
—Margaret F., Baltimore, MD
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Always good service, advice, and service. That’s why I have stayed with them for years. AND they are nice, willing, and helpful people.
—Aladdin Appliance Service, Towson, MD
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Exceptional knowledge of the industry. Always prompt with returning our calls or emails. So friendly and approachable. Love working with them!
—Wm F. Turner Landscape Inc.
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Moving yourself or your college student? Don’t get caught unprepared at the rental counter. Know what coverage you have and what you need to purchase, before signing the rental agreement, to avoid a rental truck nightmare. Watch the latest episode of INSURANCE SOS and learn tips to keep your family and belongings protected.
—Avoid A Rental Truck Nightmare
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You have good insurance coverage, what if the person that hits you doesn’t? Maryland is a mandatory vehicle insurance state. Most of us are aware of that because we have registered cars in our home state. What you may not know, is that the Maryland minimum limits are low and insufficient in many cases. If you are hit by an underinsured driver (they are found to be at fault) with Maryland minimum limits, the maximum pay-out on their insurance would be: $30,000 for bodily injury,... Read more »
—What Happens If I’m Hit By An Underinsured Driver?
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Purchasing an engagement ring is a big decision and you should be equipped with the right information before making your purchase. Here’s a guide on making a purchase that will make your fiancée, bank account, and insurance agent say “Yes!” Brace the Bank An engagement ring is an investment, and (thankfully) you get to dictate how much you’re willing to risk. According to www.theknot.com, in 2016, the average cost of an engagement ring was $6,163. If that price makes you cringe, no worries—you can still... Read more »
—Who Should Insure the Engagement Ring?
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Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter. Which Pipes Are Most at Risk? Pipes that are most exposed to the elements, including those outdoors and along the exterior walls of your home, may need extra protection during winter months. These include... Read more »
—Help Prevent Frozen Pipes
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—Don
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I got the call that no parent wants to get. My son was in a car accident and was calling me for guidance on how to handle the situation. I work for an insurance company, and even I was caught off-guard when he needed advice. At that moment, I wished that I had run through some basic “street smarts” with him before handing over the keys. Some tips to reinforce with your young driver: Traffic stop – Pull over to the right quickly but safely.... Read more »
—“Mom, I’ve Been in an Accident.”
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In a very short period of time, there are a surprisingly large number of changes in the exposures you now face with your children away at college. Let’s touch on the three questions we hear most often this time of year with children heading off to be college students. “We spent a small fortune to furnish our college student’s apartment off campus. Does our insurance policy cover this?” In the case of off-campus housing, the answer is often no, especially if your child maintains an... Read more »
—College Students – The Not-Quite Independent Adults
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Harvey and Irma quickly became household names when the storms wreaked widespread havoc on people and property. Although no longer a top news story, unsuspecting car buyers in locations far from those affected by the storms may encounter a hurricane damaged vehicle for sale by an unscrupulous vendor. VINCheck The National Insurance Crime Bureau (NICB) offers a free service called VINCheck to help the public determine if a car was reported as damaged and subsequently has a branded title; an official damage designation made by... Read more »
—Buyer Beware: Spotting a Hurricane-Damaged Vehicle
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Umbrella Insurance (also known as Excess Personal Liability, “Sleep Tight” Insurance) is a form of liability insurance protecting you above your primary home liability, personal automobile liability, and recreational liability when those limits are not enough to cover the damages of an accident you cause or an incident on your property. An Umbrella Insurance policy kicks in right where your other liability underlying limits die out. It also may provide coverage for some sources of loss that are not covered by your primary policies. Why... Read more »
—Umbrella Insurance
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—Homeowner’s Insurance
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Homeowner’s Insurance (including Renter’s Insurance and Condo Owners) is a package policy combining protection for your home and contents with personal liability protection. Homeowner’s Insurance is comprised of different homeowner forms, varying in the extent of coverage, cost and type of home (house, apartment, condominium). Where many big insurance companies want to put you in a box policy (recognize the terms HO-1, HO-3?) – we customize your homeowner’s insurance coverage to your specific needs. Why Do You Need Homeowner’s Insurance? It’s all about protecting the most... Read more »
—Homeowner’s Insurance
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Personal auto insurance protects you when you are legally liable for injuries or damage to others including their property. It also applies to your passengers’ injuries and property. Personal auto insurance policies are comprised of a total of six different kinds of coverage. Most states request you to buy some, but not all, of the following coverages: Liability Coverage pays for your legal responsibility to others for bodily injury or property damage. Uninsured/Underinsured Motorists Coverage protects the policyholder for his or her injury or damage... Read more »
—Personal Auto Insurance
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Our agency was honored to be named a member of Mutual Benefit Group’s Inner Circle. Thanks to the IIAMD for featuring us in the May/June 2017 Maryland Messenger newsletter. SaveSave
—MBG Inner Circle Award
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In August, the Timonium area experienced a storm of “tornado” proportion with many damaging effects. We know that falling trees and branches are hallmarks of strong storms and high winds. What does your homeowners insurance cover when a tree falls on your property? If a tree falls on your “covered property,” your insurer will generally pay to remove the tree from the property. Debris clean-up, however, may not be included in that coverage. For example, if a tree falls on a fence, the fence is... Read more »
—Lessons Learned From The Timonium “Tornado”
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The Summer 2017 edition of Don Grauel’s Protection Points has arrived in mailboxes and is chock full of tips and information. What’s new in the marketplace? Don’s letter touches on two new insurance concepts, Lemonade and Teslas. Calling all movie buffs, check out our trivia challenge on pg. 4! We also included some appliance tips to keep your washing machine running smoothly. Want to receive our newsletter in your mailbox? Email me your name and address and we’ll add you to the mailing list (Don@Goldsborough.com).... Read more »
—Summer 2017 Protection Points Newsletter
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By: Michelle Roark Did you know that a cyber attack affects 556 million victims a year? That’s 18 victims per second and 1.5 million victims per day. 1 Your clients’ information can be stolen in minutes when a hacker gains access to your network or a network that supports your business. Although large corporate breeches make the news, 62% of cyber attack victims are small to mid-sized businesses.2 Often, despite company IT precautions, a hacker gains access to your information when employees unknowingly open phishing emails,... Read more »
—A Cyber Attack? Not My Business!
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It’s bad enough that you were in a car accident, but then you’re thrown into the world of car repair and collision replacement parts – OEM, CAPA, and aftermarket. If you have experience with collision repairs then you may be familiar with the different types of replacement parts, but if not, here is a quick primer on repair terminology. The age of your vehicle and your insurance policy may also affect repair part choices. OEM Repair Parts Original equipment manufacturer (OEM) parts are those components... Read more »
—OEM, CAPA, Aftermarket, Oh My!
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—goldsborough
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On Saturday, October 22nd, the Goldsborough Team walked and ran through beautiful Patterson Park in support of BARCS at their Ready, Set…Sniff! 5K run and walk to support animals in need. The course was filled with a competitive pack of athletes and four-legged friends and the after-party was a barking good time!
—Ready, Set…Sniff!
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There has been a flurry of “news” and magazine articles recently claiming to know when not to file an insurance claim. Unfortunately, they are wrong about 75% of the time. Few of these articles quote their data sources so it’s difficult to respond, but let’s clarify just a few of the most common that I have paraphrased. Never file a claim or you will definitely be surcharged and probably have your protection canceled. FALSE. Cancelations resulting from a single claim are almost unheard of in... Read more »
—When Is The Wrong Time To File An Insurance Claim?
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You have heard of the manufacturing economy, the services economy and probably the internet economy, but how about the “Gig Economy” or the “Sharing Economy?” The most common businesses falling in the gig economy involve car services such as Uber and Lyft, often referred to as transportation network companies or “TNC’s.” In the sharing economy, homes (Airbnb) are a prominent example, but there is even a toilet sharing service by the name of Airpnp (did you catch the name). As with much of the... Read more »
—UBER Problems
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As the weather turns cooler and inside projects become more attractive, why not replace those old appliance hoses. It’s easy to take them for granted until, when you least expect it, one bursts. If not caught quickly, an appliance hose failure can cause thousands of dollars in damage. Consider your humble washing machine: According to the Insurance Institute for Business and Home Safety (IBHS), washing machine failures cost an average of more than $5,000, and faulty hoses are responsible for more than half of those... Read more »
—Prevent Appliance Hose Failure
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Goldsborough Insurance has been helping manage risk and protecting the assets of Maryland families and businesses since 1947. To the big insurance companies, you’re a number; a claim; a piece of market share; a credit card payment every month that better be on time or you will be left without protection. With 800#’s and quick application processes, they make it easy for you to buy, but give you no guidance on how to select the proper coverage for you. At Goldsborough, we understand that the only way to protect the things... Read more »
—Home New
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I can always tell when there is a salesman on the office phone, they ask for Ellie. I’m not sure if they have been told to ask for Ellie or if they are just saying “L-E” quickly (from L.E. Goldsborough & Son, Inc.). It gets even more convoluted when they finally figure out that not only is there no “Ellie,” but the owner isn’t even a Goldsborough. L.E. Goldsborough & Son, Inc. has been around since 1947. I purchased the agency from Les, the now... Read more »
—My Name’s Not Ellie
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Are you in the market for a new car? IIHS safety ratings are a good place to start. Check out what the IIHS says about the safety and “crashworthiness” of your options. Select your make, model, and vehicle size to see how the car you want has been rated. http://www.iihs.org/iihs/ratings
—IIHS Safety Ratings: An Important Car-Buying Resource
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Planning a summer road trip? Save some money! This tool can help you plan your trip for maximum fuel efficiency. Calculate your distance, the percentage of the time that you’ll be driving in the city, car make, car model and more to get the most accurate information. Then, check out some gas mileage tips to figure out how to cut down on your usage. Safe Travels! http://www.fueleconomy.gov/trip/
—How to Save Gas Money on Your Summer Road Trip
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School is out and summertime is here! It’s time for family vacations, Bar-B-Qs and outdoor fun. Unfortunately, it’s also time to prepare for another Hurricane Season. The recent tornadoes in North Texas and Oklahoma (and reportedly right here in Maryland) as well as the flooding, remind us that storms are scary and unpredictable. The National Hurricane Center predicts an above average storm season this year – I know, don’t they always. But, the truth is it only takes one storm to significantly impact your life.... Read more »
—Hurricanes Have Toes!
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You may request changes to your policy by either calling our office (410-377-2111) during normal business hours or 24 hours a day, 7 days a week through email (click here for contacts). Please note that for a change to be effective, we MUST confirm the information with you in writing or over the phone. No coverage can be bound, changed or cancelled by leaving a voicemail, email or fax message. We will process your request within 24 business hours and send you a confirmation of... Read more »
—How do I make a change to my policy?
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It is always helpful if you contact us after letting your insurance company know about your accident (click here for a listing). We like to make sure your claim is being handled quickly and have the contact information should you have any issues. Our personal and commercial risk managers (PRM’s and CRM’s) can advise you on how the claims process works.
—Who do I call to report a claim?
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Questions regarding a bill that you receive from the insurance company should be directed to the customer service / billing department of your insurance company (click here for a listing). They will be able to quickly and accurately answer questions about payments received, outstanding balances, payment options, etc.
—Who do I contact with billing questions?
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We just moved the office (you knew that, right?). It went pretty smoothly thanks to some great vendors and the most on-the-ball staff any business could ask for. In fact, on the Friday we moved I put out a notice to clients and vendors not to expect us “back on line” until noon on Monday. On the very same morning we moved, at 11:45am the staff was taking calls and making policy changes. We were out of reach of our clients for only 3 hours... Read more »
—What are the Protection Issues When You Move Your Home?
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In a very short period of time, there have been a surprising large number of changes in the exposures you now face with your children away at college, mostly in the area of health insurance. Let’s touch on the three questions we hear most often this time of year with children heading off to college. “How can I protect myself from being sued should a friend of my son’s get involved in an at fault accident using my car?” As a general rule think of... Read more »
—Is your Nest Empty?
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Just last month we had a hail storm in Maryland which caused a significant amount of damage. It also brought the Conman Contractors out of the woodwork. The vast majority of licensed contractors are conscientious small business owners who take pride in their work and understand that satisfied clients are the best source of future business. A few, however, anxiously await these opportunities and often go door-to-door offering to fix roofs, siding and windows in exchange for hefty down-payments or fees that are substantially larger... Read more »
—Contractors or Cons
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—Blog
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Thank you for contacting us. We will respond shortly. Still want to know more? Check out our Frequently Asked Questions.
—Thank You
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Although a difficult question–one whose answer will vary depending on circumstances–several principles should be followed in addressing this issue. First recognize that in any life insurance purchasing decision, there are at least two basic questions that must be answered: “How much life insurance should I buy?” and “What type of life insurance policy should I buy?” The question contained in (1) involves an “insurance” decision and the question contained in (2) requires a “financial” decision. The “insurance” question should always be resolved first. For example,... Read more »
—Should I buy term insurance or permanent life insurance?
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In certain circumstances, it may be advisable to purchase life insurance on children; generally, however, such purchases should not be made in lieu of purchasing appropriate amounts of life insurance on the family breadwinner(s). It is of utmost importance that the income earning capacity of the primary breadwinner be fully protected, if possible, through the purchase of the required amount of life insurance before contemplating the purchase of life insurance on children or on a non-wage earning spouse. In a dual-earning household, it is important... Read more »
—What about purchasing life insurance on a spouse and on children?
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A rough “rules of thumb” suggest an amount of life insurance equal to 6 to 8 times your annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed. Important factors include: Income sources (and amounts) other than salary/earnings Whether or not the individual is married and, if so, what is the spouse’s earning capacity The number of individuals who are financially dependent on the insured The amount of death benefits payable from... Read more »
—How much life insurance should an individual own?
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Damages due to flood and rising water are not covered under the standard homeowners insurance policy. The National Flood Service says that 25% of all flood losses are nowhere near a large body of water. You may want to consider adding a flood policy to your protection plan.
—Should I purchase flood coverage?
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Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. You may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.
—Should I purchase earthquake coverage?
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Coverage C of a homeowners policy provides “named perils” coverage. Which means there is coverage for a listing of things that can happen. “open perils” is broader protection and responds to “any” peril and then lists exclusions. This applies to all your personal property except property that is specifically excluded.
—Where and when is my personal property covered?
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When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
—What is replacement cost”?
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When “actual cash value” is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.
—What is “actual cash value”?
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Get the amount and type of insurance that you need which may or may not be the amount(s) that the mortgage company is requiring (property). You will also need to determine the right amount of personal property (your stuff) insurance and personal liability coverage that you need. Finally, there are a number of additional endorsements you want to add to your policy. For example, you will want the personal property replacement cost endorsement and sewer and drain backup coverage.
—What do I need to know when purchasing homeowners insurance?
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Homeowners insurance is a form of personal insurance. The typical homeowners policy covers the property of the insured and provides personal liability coverage to the insured.
—What is homeowners insurance?
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Named Insureds are those listed by name in the relevant section of the policy’s declaration pages (front pages of the policy with specific information). Although the named insured is commonly one person, partnership, corporation or other entity with insurable interests, multiple named insureds may be included. First Named Insured is the first “named insured” listed on the policy declarations. This insured acts as the legal agent for all named insureds in initiating cancellation, requesting policy changes or accepting any return premiums. The first named insured... Read more »
—What is the difference between “Named Insured”, “First Named Insured” and “Additional Insured?”
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Business Interruption/Extra Expense coverage provides protection for income loss and the additional expenses (e.g. establishing a temporary site during repairs) due to damages related to a fire or compensable loss.
—What is Business Interruption/Extra Expense coverage?
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Products/Completed Operations refers to the liability coverage for damages caused by your operation or products after the point at which you no longer have control of them.
—What does Products/Completed Operations mean?
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General Liability provides coverage if you are liable for damages to other individuals arising from your premises, general operations (ongoing and after completion) and products manufactured or sold. Sometimes called “Public Liability” it responds to covered Bodily Injury and Property Damage claims involving third parties.
—What is General Liability?
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An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors’ certificates of insurance will prevent you from being charged for their exposure. Aside from the hard costs, it is always a good idea to have sub-contractors provide you with evidence of insurance coverage as well as “Additional Insured” status when it applies. Call us for details on putting a good sub-contractor risk management process in place.
—Why do I need certificates of insurance from sub-contractors?
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At the end of the policy term, the insurance company will review the policy and either charge or credit the policyholder based upon an audit of estimated figures provided at the start of the policy. Examples of estimated auditable items include sales and payroll. Audits can be performed onsite by an auditor or via mail, email or telephone.
—How does an audit work?
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Other people may drive your vehicle with your permission. It is important that they be listed on your policy if they are regular drivers of the vehicle.
—Can other people drive my business vehicle?
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Insurance companies require that you insure at least 80% of the property’s value in order to collect the full amount of a partial loss. The rates are based on insuring to full value. If you underinsure, you may not be paid the entire value of your partial loss.
—What does 80% co-insurance mean?
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Replacement Cost is the current cost to replace property with materials of like and kind quality. Actual Cash Value is the replacement cost less depreciation. Neither of these is the Selling price, purchase value or mortgage amount.
—What is the difference between Replacement Cost (RC) and Actual Cash Value (ACV)?
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Fire legal liability coverage provides coverage to for you if you rent a business space and are held responsible for fire damages to that rented space. It does not apply to all business risks.
—What is fire legal liability coverage?
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Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a stone flying up from the road and chipping your windshield or an engine fire.
—What is comprehensive physical damage coverage?
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Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole. It is damage to your vehicle.
—What is collision physical damage coverage?
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When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy. This also means that should he or she be involved in an accident in your car your insurance responds and you may be saddled with a chargeable accident surcharge or you may lose any available loss-free discount.
—Does my insurance policy cover a friend if I loan him/her my car?
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Term Life Insurance Quotes by Wholesale Ins.
—Quote
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Need to pay a bill? We are always working hard to save you time. Find your insurance company below and select it to go directly to the online bill pay section of their website. Go to Billing Information for Personal and Family Insurance Companies Go to Billing Information for Business Insurance Companies
—Pay My Bill
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Trusted Choice® Pledge of Performance Trusted Choice® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy. As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall: Work with you to identify the insurance and financial services that are right for you, your family or... Read more »
—Trusted Choice
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I would not think of another agency to handle my insurance This has made me think of how long I have been dealing with L. E. Goldsborough & Son and it has been almost 30 years. I could think of no other agency to handle my insurance. You have been very helpful always.
—Carolyn S., Baltimore, MD
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Goldsborough Insurance always exceeds my expectations. I have the opportunity to make frequent referrals to many organizations throughout the region. My expectation is that these referrals be handled promptly, professionally and knowledgeably. L.E. Goldsborough & Son, Inc. always exceeds my expectations.
—Neil D., Baltimore, MD
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No voice mail, callbacks, texts, transfers, she actually answered the phone. Our worst homeowner’s nightmare had been diffused and addressed quickly and efficiently by Terri. I can’t thank LE Goldsborough and Son enough for their professionalism and quick calls to action.
—Richard G., Baltimore, MD
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Goldsborough provides superior customer service and Terri is incredibly professional. She evokes an enticing sense that Goldsborough provides superior customer service by handling inquiries with care and concern.
—Sally H., Timonium, MD
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What else is there to say… Being a client of L.E. Goldsborough & Son, Inc. since 1956 (yes 1956) should tell it all. What else is there to say?
—Robert B., Perry Hall, MD
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Saved me money and put in place a better plan… Don and his team at L.E. Goldsborough & Son, Inc. provided the suggestions and follow-up I needed to put in place the right insurance options for my business. My previous broker let the ball drop on my renewal. Don’s team not only picked up the ball, but they saved me money and put in place a better plan for my employees!
—Katrina D., Baltimore, MD
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You may request changes to your policy by either calling our office (410-377-2111) during normal business hours or 24 hours a day, 7 days a week through email (click here for contacts). Please note that for a change to be effective, we MUST confirm the information with you in writing or over the phone. No coverage can be bound, changed or cancelled by leaving a voicemail, email or fax message. We will process your request within 24 business hours and send you a confirmation of... Read more »
—How do I make a change to my policy?
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Remember to remain calm, courteous, and consistent at the site of an accident. First, call for medical help if there are any injured parties. We offer an accident report guide that you may keep in your glove compartment along with your registration and other important documents (click here to let us know you need one). Document the license and registration information for all other parties involved in the accident including any witnesses. It is always helpful if you have pictures of the accident. Often, it... Read more »
—What do I do if I’m involved in a car accident?
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Questions regarding a bill that you receive from the insurance company should be directed to the customer service / billing department of your insurance company (click here for a listing). They will be able to quickly and accurately answer questions about payments received, outstanding balances, payment options, etc.
—Who do I contact with billing questions?
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Report a Claim to Our Offices Go to Claim Information for Personal and Family Insurance Companies Go to Claim Information for Business Insurance Companies Our personal and commercial risk managers (PRM’s and CRM’s) can advise you on the ramifications of filing your claim and explain how the claims process works – eliminating the frustrations, which usually arise from the unknown. Please remember we are here to answer your questions before, during, or after you report a claim. We have provided useful information above that can... Read more »
—Report A Claim
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We are proud of everything that we offer our clients. When the unexpected happens you can rely on us. Our job is to protect what matters most to you and with our partners we can do just that.
—Preferred Partners
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Thank you for signing up to receive our Newsletter. Please enjoy the complimentary PDF “Top 5 Problems You Think You’re Covered For… But You Aren’t”
—Coverage PDF
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—-Help Me-
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Damages due to flood and rising water are not covered under the standard homeowners insurance policy. The National Flood Service says that 25% of all flood losses are nowhere near a large body of water. You may want to consider adding a flood policy to your protection plan.
—Should I purchase flood coverage?
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Pay My Bill Report A Claim Frequently Asked Questions Preferred Partners
—Help Me
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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information... Read more »
—Coverage Disclaimer
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Goldsborough Insurance , on behalf of itself, its subsidiaries, suppliers, business partners, related and affiliated companies, (collectively “Goldsborough”), maintains this website located at goldsborough.com and its associated websites, webpages, content, and other materials (collectively, the “Site”) to provide information about Goldsborough, its services and products. Your access to and use of the Site is subject to these Terms of Use and all applicable laws and regulations. By accessing and using the Site, you accept, without limitation or qualification, these Terms of Use, which may be modified from time to... Read more »
—Terms
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The Situation The Taylors are your typical Maryland family and they were faced with a daunting challenge: six family members, four of whom are teenagers, on the roads and operating different vehicles. As you can imagine, that’s a lot of time spent in Drivers Education classes! The Taylors also took the responsible step of adding each child to their auto-insurance policy as each became a licensed driver. What Usually Happens Next Before switching to Goldsborough, the Taylor’s auto policy received minimal attention from their national... Read more »
—Right Car. Wrong Driver.
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The Situation Gary discovers that, due to many financial issues from it’s former owner, he is the new owner of a well known restaurant in a local beach community. The existing insurance had been cancelled and if he is unable to open during the beach season he won’t have a chance to return the business to profitability. Gary was in desperate need of an insurance agency that could quickly evaluate his needs and the many risk factors and provide him with an economical insurance solution... Read more »
—Rescuing A Restaurant
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The Situation Our client, John, and his family of four, came home after an overnight coaching trip with his son’s baseball team to a nightmare every homeowner dreads: A pipe had burst on the second floor of his home. Water was literally cascading down the steps to the foyer when they entered their home. Wood floors were ruined and much of the first floor ceiling was collapsing. There was also severe water damage to furniture and other property. Responding to the situation quickly and efficiently would be... Read more »
—A Flood Of Trouble
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The Situation Our client, David purchased his first home and was living in it for over a year when disaster struck. Due to the carelessness of one of his neighbors, a fire destroyed over 80% of David’s home while he was traveling on business. David lost almost everything in the fire and was faced with the task of cataloging all of the different possessions he lost to report to his insurance company. What Usually Happens Next The typical insurance company wants to issue you a check for your... Read more »
—Invaluable iPhone Video
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The Situation Mark is a small business owner who owns and operates a local car repair shop with a team of fifteen employees. Mark’s Workers Compensation insurance premium is annually adjusted based on his company’s loss experience. Typically, three years of loss information is used to determine the experience modifier that will be used for the following year’s insurance cost. Experience modifiers should be recalculated for an employer like Mark annually, as each year a newer year’s loss information is added and the oldest year’s... Read more »
—Small Detail. Big Savings.
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—Our Team
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—Contact
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—Home
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Client Login Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla quis nisi scelerisque, vulputate turpis sed, fermentum purus. Cras in felis cursus nisl condimentum lacinia sed vitae sapien. Phasellus in metus sodales, tincidunt est vel, ullamcorper turpis. Etiam vitae tempor enim. Donec pellentesque aliquet mauris vel luctus. Nunc luctus rhoncus tortor a aliquet. Aliquam condimentum quis sapien eu rhoncus. Quisque vel dui et justo elementum condimentum. Aenean ac mauris vehicula, gravida sapien et, tempus dolor. Donec ornare felis diam, ut imperdiet nulla interdum sit... Read more »
—Client Login
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At Goldsborough Insurance, we know that the best way for us to protect the things that matter the most to you is if we know you, your family, and your goals for protecting your lifestyle and loved ones. This philosophy ensures that if the unexpected happens, you have peace of mind knowing that you have the right insurance and are covered. As Maryland Independent Insurance Agents, we are free to do what’s right for you. Goldsborough Insurance has been helping to reduce risk and protecting... Read more »
—Goldsborough Insurance – Home
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Contact Goldsborough Insurance to discuss your insurance goals with one of our knowledgeable Independent Insurance Agents. We have been helping to reduce risk and protect the assets of Maryland families and businesses since 1947. Don’t let our size fool you – Goldsborough specializes in a large number of insurance types, and offers comprehensive plans to ensure you are fully protected. Contact us for questions on any of the following: Personal Insurance Homeowners Auto Personal Umbrella Recreational Vehicles Jewelry/High-Value Items Business Insurance Technology-Based Companies Professional Services... Read more »
—Contact Goldsborough Insurance: How May We Help You?
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Your business is a coordinated, well-run machine of people, processes, products and services. But whether you are a small business with just a few employees, or a large company with hundreds of employees, there is risk in your organization. Sometimes insurance limits needed for your business are dictated by others; landlords, clients, bids for work, etc. Often, businesses comply with the “cost of doing business” needs, but don’t take the time to consider what is at stake for them? Buying the cheapest insurance can be an... Read more »
—Business Insurance
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Personal Insurance describes insurance policies taken out by individuals and families, instead of a business. Typically most people think of personal insurance in terms of car insurance, which you are required to carry if you operate an automobile; and homeowners’ insurance, which protects your home in the event of certain disasters/issues. For example: If: You get in a car accident Your house burns down The UPS driver slips on your steps delivering a package A neighbor’s child is hurt on your trampoline/pool/etc Your dog bites... Read more »
—Personal Insurance
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Don Grauel “The best way to serve our clients is to know them and understand what’s important to them and their families. There is no substitute for a personal relationship and leadership. Most insurance agents don’t want to put in that kind of effort.” Quick Facts: Family: Wife, Ginny Kids: Andrew, Hannah, Caroline Education: Loyola University Maryland, MBA – Finance The Citadel, Bachelor of Science – Business Administration Professional Associations: Baltimore Business Growth Roundtable Greater Baltimore Technology Council 2015-16 Chairman, Independent Insurance Agents of Maryland... Read more »
—Our Team
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How may we help you?
Goldsborough Insurance
405 East Joppa Road Suite 301
Towson MD 21286-5468
Phone: (410) 377-2111
Toll Free: 1-800-379-2111
Fax: 410-377-0003
405 East Joppa Road Suite 301
Towson MD 21286-5468
Phone: (410) 377-2111
Toll Free: 1-800-379-2111
Fax: 410-377-0003
