• What’s Your Story?

    Every business and every person has a story with a past, present, and future. These stories are what get us out of bed every morning and make us great at what we do.

    Click on the images to learn more.

  • Commercial

    As an executive of your organization, you face many obstacles. One of the most challenging parts of your job is managing the risks you know are lurking around each and every corner. An even greater challenge is identifying emerging risks which you did not know existed in the first place.

    At Consolidated, we take the time to understand where you have come from and where you are going. After embracing your story, our process is designed to put you in control of the existing and emerging risks attempting to prevent your business from reaching its objectives.

  • Personal

    Your story is your life. There are no two lives in this world quite the same. Each has its own individual story. While some in the insurance industry would like you to believe there is a one size fits all product made for you and everyone else, we are here to tell you they are wrong.

    At Consolidated, we believe you have your own story with your own risks. The only way to reach your happily ever after while navigating the plot twists of life is to craft protection that is specific to you and no one else.

  • Benefits

    Health insurance is considered one of the top 3 concerns of business owners and employees. The days of reviewing a spreadsheet full of quote options and picking one have come and gone.

    Consolidated’s process has flipped the script for benefits. By understanding the cost drivers, staying current with compliance, and having creative strategies to deliver a proactive approach, we are changing the story for our clients and their employees.

  • Surety

    Surety and bonding is the lifeblood of a contractor’s business.

    Consolidated’s Surety Performance System is a proactive model created to provide structure around the elements needed to communicate your story to the bonding markets, maximize your work potential, and improve your business.

Latest Storylines

Commercial Auto Premiums: Factors & Advice

November 13, 2019

As with any other insurance rates, your commercial auto premiums are based on a number of factors, beginning with a combination of potential risk factors (how much driving occurs, and in which areas) and loss history (actual record of accidents, judgements, etc.). That mix of the past and the future will largely determine your risk…

Be Prepared for Roadside Emergencies

October 17, 2019

Expect the best and prepare for the worst, the saying goes. While vehicles overall are very reliable these days, breakdowns and accidents do happen, as do sudden changes in weather that could leave you stranded. Some auto insurance policies offer roadside assistance for a minimal annual cost – take advantage of this! In case you…

REAL ID for Maryland – Update

September 25, 2019

If you or your family members need to renew a Maryland driver’s license, remember that you’ll now need additional documentation. The changes stem from the REAL ID Act, a federal law passed by Congress in the wake of September 11, 2001 attacks. The REAL ID Act establishes specific minimum federal standards for state-issued driver’s licenses and ID…

The Difference is Telling

We are not the only ones who love a good story. Insurance carriers and underwriters love them too. They want to know who you are and where you are going – and they will offer the best products and services at the most competitive rates to those who capture their attention.

"Working with Consolidated has been a pleasure over the past 5 years. The staff exemplifies professionalism and knowledge in the insurance products they offer. This ranges from receptionist, the producers, and account executives, up to senior management levels."

- Laura Risser, CIC, AAI, AU, AINS, CRIS, Territory Manager - Penn National Insurance

“I've worked with Consolidated for the last 25 years partnering with both Commercial and Personal Lines Departments. From every level of their organization, their standards of professionalism and customer service are truly second to none!"

- Jim Winterling - ICS Travel

“Consolidated is one of the finest independent agents in the country. The combination of experience, talent and commitment at Consolidated is powerful and enables the agency to deliver exceptional value for its customers."

- Tim Shields, CPCU, ARM, Regional Vice President - The Hanover Insurance Group

"I have had the pleasure of working with Consolidated since they were appointed with my company in 2011. The agency maintains a high standard of professionalism and clearly values the relationships with their insurance partners.

- Kyle Groff, Supervising Production Underwriter - Donegal Insurance Group

Our Process: A Story Well Told

At Consolidated, we work with you to build a story that underwriters can’t resist. By identifying the existing and emerging risks that can derail you from reaching your objectives, we make sure you are always ready for the next chapter.