Protect Your Business Investment

with Risk Management
Protect Your Business Investment with Risk Management Insurance

Protect Your Business Investment

with Business Insurance
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Protect Your Business Investment with Business Insurance

Protect Your Business Investment

with Risk Management
REQUEST A QUOTE
Protect Your Business Investment with Risk Management Insurance

Travel with Peace of Mind

with Travel Insurance
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Travel with Peace of Mind with Travel Insurance

Keep Your Employees
Healthy and Loyal

with Employee Benefits
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Keep Your Employees Healthy and Loyal with Employee Benefits

Protect Your
Business Investment

with Business Insurance
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Protect Your Business Investment with Business Insurance

Drive with Peace of Mind

with Auto Insurance
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Drive with Peace of Mind with Auto Insurance

Protect Essential Staff

with Key Person Insurance
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Protect Your Essential Staff with Key Person Insurance

Support Your Employees

with Health Insurance
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Support Your Employees with Health Insurance

Guarantee Their
Bright Futures

with Life Insurance
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Guarantee Their Bright Futures with Life Insurance

Protect Your Business

with Business Insurance
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Protect Your Business with Business Insurance

Drive with Peace of Mind

with Auto Insurance
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Drive with Peace of Mind with Auto Insurance

Keep Your Castle Covered

with Homeowner Insurance
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Keep Your Castle Covered with Homeowner Insurance

Avoid Out-of-
Pocket Expenses

with Health Insurance
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Avoid Out-of-Pocket Expenses with Health Insurance

Insurance Services

by Horenberg Insurance

Celebrating over 40 years of independent expertise!

Is protecting your financial security important to you? Let us apply our expertise and independence to negotiate the best insurance coverages and premiums for you, your business and your family.

We are independent advocates offering strategic insurance advice, risk and Independent Insurance Agentclaims management, and the lowest premiums for appropriate coverages on business insurance, employee benefits, life insurance, health insurance and personal insurance. Because we negotiate with many insurance companies, more than most agents or brokers, we are able to provide you with the right coverage at the right price. With Horenberg Insurance, you’ll enjoy convenience and cost savings and avoid dangerous gaps in your insurance coverage.

Horenberg Insurance has provided insurance, risk management and claims administration services since 1971. Our goal is to provide excellence in customer service. We invite you to contact us to allow us to assist you with your insurance needs.


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ANNOUNCEMENTS
Distracted Driving


The leading cause of work-related fatalities in the U.S. is motor vehicle crashes, and many of these deaths are caused by distracted driving. Federal law prohibits commercial vehicle operators from using handheld phones while driving.  We recommend that you implement a restrictive cell phone policy for all employees driving in pursuit of company business – whether in a company-owned vehicle or personal vehicle used for any company business. Click here for a sample policy you can use in your organization.
Mopeds and Scooters


Effective October 1st, 2012, the State of Maryland will begin requiring all mopeds and motor scooters, regardless of engine size, that are operated on public highways to be titled and registered by the Maryland MVA as well as requiring all operators and passenger to wear protective headgear and specified eyewear.  Owners of these vehicles will also be required to purchase and maintain the appropriate insurance.  Contact us today for a no obligation quote for insuring your Scooter, Moped, Motorcycle, ATV or any other motorized vehicle.
Hurricane Season


Now is the time to prepare for what is predicted to be an active season. Although the tropics are quiet now, meteorologists have predicted 11-12 named storms, 5-6 hurricanes and 2 major hurricanes this year. Click here for more information about the 2012 Hurricane Season Forecast.
Health Reform


Health Reform – Learn how it will affect you!
Click here for information.
Travel Insurance


Protect yourself when you travel.  Vacation, Temporary Worldwide Medical, Permanent Worldwide Medical, and Emergency Medical Evacuation Insurance. Click here to review and purchase Travel Insurance!
Flood Information


All it takes is a few inches of water to cause thousands of dollars of damage. Click here for helpful preparedness tips from Ready.gov and start preparing today.
Carbon Monoxide


More than 400 people are killed each year in the United States from carbon monoxide poisoning. Click for more information.
Employment Practices Liability


Employment Practices Liability is an important coverage that businesses should have.  Click here to see some claim examples.
Gold Key Designation


Encompass Insurance has recognized Horenberg Insurance Services, Inc. as a Gold Key Agency.  The Gold Key designation is the company’s recognition of superior performance. Read more...
Directors & Officers Liability

Just like public companies, private companies and their directors and officers are vulnerable to lawsuits. According to a recent CHUBB study, the average loss (settlement, judgement, and legal costs) was $225,682. To find out more about D&O Liability coverage click here

INDUSTRY PROGRAMS

Many of the carriers we represent offer insurance programs designed for specific industries. Industry programs are designed to provide the right combination of competitive premiums and specific coverages to address the unique exposures of each industry.

View a list of Industry Programs

When I moved and needed quick changes in coverage, my Personal Insurance Agent was so efficient and reassuring. I'm glad I chose Horenberg. --- Beth Isaacs

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