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Commercial & Personal

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Services We Offer:

Old Line Insurance is firmly committed to delivering a better value to our insureds through aggressive client representation. Put simply, as an independent agent we work for YOU - not an insurance company. 

We offer knowledgeable, professional service across all lines of Commercial & Personal insurance. While evaluating your insurance requirements, we will take the time to fully explain the coverages to you. There should not be any ‘mystery’ when purchasing insurance.  Old line Insurance Agency will work diligently to pair your specific coverage needs to those offered by best-suited carriers at a competitive premium. 

We are not a big agency ~ you’ll feel as if you are our only customer as we take care of you through life’s twists and turns. Gain the peace of mind you deserve by calling Old Line Insurance Agency today! 


Many businesses, from home improvement contractors to auto dealers, are required to provide a financial guarantee on behalf of the business or its employees. These could range from a professional trade license, payment-performance bonds on construction projects, or as a fiduciary involved in real estate/property management. 

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Property and Casualty insurance also includes several types of insurance.  Casualty coverage for small businesses ranges from general liability, worker’s compensation, errors and omissions insurance, to cyber liability. The property portion of this insurance includes buildings, offices, equipment, or tools that are the property of your business.

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Almost every state requires an employer to retain workers’ compensation coverage. This coverage protects employers & employees from the expense associated with medical costs, disability, and rehabilitation arising from a work-related injury or death. While worker's compensation can be a significant expense for some businesses, Old Line Insurance will show you the many cost-saving measures available. These include proper classification & review of your employee’s job duties, experience mod review/management, benefits of drug testing program, OSHA certification for risks in construction, and monthly reporting of payroll for better cash flow management. As a business owner, you and your employees deserve the best return from your work comp provider. 

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With most business being online, protection against cyber incidents is imperative.  Whether you fall victim to a network security failure or suffer a privacy incident, coverage is essential.  These policies cover your costs incurred in defending and damages assessed in various cyber events.

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General Liability is crucial for every business. This is your first line of defense regarding lawsuits against bodily injury & property damage arising from premises owned/leased and from your work, product or service performed. In addition, coverage is included for contractual liability. Most businesses enter contracts for lease of property and/or equipment. Construction businesses may enter into sub-contract agreements. All require careful review to determine coverage. 

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Commercial Property coverage provides protection against direct physical loss to your business assets. Property insurance is often overlooked. As a first-party coverage, the main beneficiary is YOU the business owner. Old Line Insurance will take the time to explain the various forms available and work with you to ensure you have the proper limits required. 

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The ownership of or use of non-owned vehicles present a significant exposure to lawsuits for every business owner. Whether your business has a fleet of trucks or employees use their own vehicles for your business, let the knowledge of Old Line Insurance guide you in determining your commercial auto liability exposure. 

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Most general liability policies contain an exclusion for ‘Professional Services’. Professional liability (also known as Errors & Omissions) coverage is required for businesses that provide design services (Engineer, Architect, Information Technology, etc.) or render a professional opinion (Attorneys, Doctors, Accountants, Inspectors, etc). These policies provide coverage for the cost of legal defense, judgments, settlements, allegations of misrepresentation fines, and fines for failure to perform and breach of professional services. 

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Purchasing a home will be a milestone in your life.  This major investment and its contents need to be fully protected.  There are many areas of homeowner’s insurance which are often overlooked – liability coverage, damage caused by weather, temporary accommodations costs, jewelry and certain collections. Let Old Line Insurance develop a policy to give you peace of mind. 

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In the state of Maryland, you are required by law to carry car insurance. However, not all insurance coverage is alike. It is important to find the right coverage, with the right protection, at a competitive price. Throughout your life, it is highly probable that your personal situation will change - causing reviews your auto policy. Have you gotten married or divorced? Have your children started driving? Let Old Line Insurance work with you to provide the protection you need regarding increased liability limits, deductibles and uninsured motorist coverage.

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We offer a variety of life insurance products, from those that provide for your family should you pass away, to those types of life insurance that increase in value and can serve as an investment. Disability insures your ability to earn a living, and replaces that income should you become disabled.

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Unfortunately, lawsuits are far too common in today’s world, and defending yourself against such lawsuits can cause financial ruin. You have worked hard for your assets. An umbrella policy is often overlooked. The higher your net worth, the greater chance you will be sued for an amount exceeding your underlying homeowner’s, personal auto, boat, or rental policy. Learn how an umbrella/excess liability insurance policy can provide a higher limit of protection beyond your underlying policies.  

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These insurance policies will save you from devastating loss and high costs in the event of a natural disaster.  It’s difficult to prepare for a sudden event like these, but having protection in place before you need it offers peace of mind when events strike without warning.

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Industries We Serve:

Construction

Construction

Commercial Construction Companies and Residential Trade Contractors Specializing in Electrical, Plumbing, Carpentry, Flooring, Concrete, Masonry, Data Communications and Fiber Optics, Roofing, Landscaping, Hardscaping, Arborists, Demolition and Hauling Companies

Real Estate

Real Estate

Commercial Lessors Risk, Homeowner’s Associations, Condominium Owners Association - Master Policy, Real Estate Agents, Brokers, Appraisers, Managers, Property Managers, Title Agents

Technology

Technology

Data Processing, Software Development and Sales, Web Design and Hosting, Cyber Liability, Cyber Security, Hardware Installation, Sales, and Data breach

Professional Services

Professional Services

CPA's, Home Inspectors, Lawyers, Marketing Companies, Architects, Engineers and Design/Building contractors 

Automotive

Automotive

All Facets of Auto Service -  Auto Body Repair, Auto Service, Transmission Repair, Mobile Detailing, New and Used Auto Sales, and Towing Services

About Old Line

We base your growth and ours on three key principles:  Open Communication, Excellent Customer Service and Client Satisfaction.


Our Team

We’ve built our team around a set of core values that are second to none.  We strive for the win-win combination in every transaction.  When our customer does well, we do well.  Finding the comprehensive coverage you need, at a competitive pemium is where we really shine.  Because we can write policies for different insurance providers, we have the opportunity to shop around for you right here within the Old Line offerings.  We deal with major name insurance companies that you’re familiar with and find the best value for you.  With integrity at the heart of all our team efforts, you know you’ll have the hardest working team in the insurance industry in your corner!


Sean Forrester

Founder/CEO

410-255-2278

Sean@oldlineins.com

Our History

Sean Forrester is an experienced insurance professional having been a licensed agent for 30+ years in Anne Arundel County. Seans expertise spans all facets of commercial and personal lines insurance. A strong proponent of insurance education having earned his national CIC designation in 2005. A graduate of Mt.St Joseph H.S and University of MD Baltimore County he continues to support MSJ's rich wrestling tradition.


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Let us help you evaluate your insurance position, and see if we can provide better value.  Reach out to us… Let’s Have a Talk Today!


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