About Us

Baltimore Insurance AgencyUpper Chesapeake Insurance Agency, founded by David Carr in 1996, is a full service insurance agency located in the heart of Federal Hill, a historic Baltimore neighborhood just south of the city’s main attraction the Inner Harbor.

The agency provides affordable personal insurance and business insurance services to Baltimore and the surrounding areas, backed by an experienced staff of insurance agent specialists. They also specialize in small business insurance, including services for auto repair and body shops, hair and nail salons, retail shops, pet supply stores and daycares, and pet grooming boutiques.

Contact Upper Chesapeake Insurance Agency today for a free quote!

An Independent Advantage

We are Independent Agents in Baltimore, Maryland, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Upper Chesapeake Insurance Agency represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.

October 20th, 2014 by Upper Chesapeake Insurance Agency