Business Insurance

Business insurance has different types and coverage levels, so our agency works to find the right policies to properly protect your business. The most basic coverages mandated by the state or landlord may not cover everything necessary to protect your and your employees’ livelihoods.

Different options include general liability, product liability, commercial property insurance and professional liability insurance. Whether you are a small business owner or the owner of a large corporation, you need some type of business insurance coverage.

When you own your own business, you open yourself to many risks. Business insurance can protect your building against damage from fire, wind and vandalism. Liability insurance can protect your business if someone is hurt on your property or is harmed due to a product that you sell.

Business crime insurance protects your business if you are robbed, are a victim of fraud or a victim of theft. All of these policies are an important part of protecting your business.

Workers compensation covers your employees’ medical bills if they are injured on the job, and commercial auto insurance protects you and other drivers if they are injured in a work vehicle.

Protect your business and the time and money you have invested in it against injury, damage, lawsuits and more by purchasing business insurance that suits your needs. The peace of mind it provides will be priceless.

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I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304

(301) 698-1686 

(301) 334-1040

(301) 831-0223

19756 Longmeadow Rd. 
Hagerstown, MD 21742
186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702
12978 Garrett Hwy.
Oakland, MD 21550
602 Center St. Ste 107
Mount Airy, MD 21771