Leitner Insurance Group

When life gets expensive, liability claims can too.

Personal umbrella insurance adds an extra layer of liability protection above the limits of your auto or homeowners policy. It may help when a serious accident, injury on your property, or other covered claim exceeds the coverage already included in those policies.

For example, if you’re found liable for a major auto accident or a guest is seriously injured at your home, an umbrella policy can help protect your savings, home, and future income from a costly liability claim.

At Leitner Insurance Group, we can review your current coverage and help identify whether a personal umbrella policy may make sense for you. Contact us for a no-cost, no-obligation insurance review.

Q4 always sneaks up on us, doesn't it? Between holiday staffing, heavier delivery schedules, and year-end orders, a lot shifts at a business between now and January.

If you added a vehicle, brought on seasonal help, or landed a bigger contract, your liability and property coverage may not match what you are actually running.

Now is a good time to sort that out, before renewal paperwork lands on your desk. Book a slot that works for you, evenings and weekends included, at leitnerinsurancegroup.com/secure-contact-form/.

School buses are back on the road, which means your morning commute just got more complicated.

Small habits make a bigger difference than people expect. A few simple ones to consider adopting include leaving the house a few minutes earlier, putting your phone in the cup holder before you pull out, and slowing down well ahead of the flashing yellow (not at it). A distracted second near a crosswalk costs far more than anything those minutes saved you.

While the car is on your mind, make sure your auto ID card is current. Requesting a new one takes about a minute at leitnerinsurancegroup.com/support/auto-id-card-request/.

Happy Labor Day from all of us at Leitner Insurance Group!

Today is a nod to all of the people who keep our communities in Maryland running, which is just about everyone reading this. Fire up the grill, enjoy the long weekend, and take it easy on the roads if you are traveling.

We are back at our desks Tuesday, so give us a call at (410) 285-3743 if you need anything.

In observance of Labor Day, our office will be closed Friday, September 4, and Monday, September 7. We hope you enjoy a safe and relaxing holiday weekend with family and friends! We’ll be back and ready to assist you on Tuesday, September 8.

Meet the Team Monday: Gene Leitner!

Gene founded Leitner Insurance Group in 2007 and has spent nearly two decades helping Maryland households and businesses make sense of their coverage. Ask him about a policy and you get a straight answer instead of a sales pitch. That is more or less the philosophy around here.

Our clients tend to stick with us for years, and Gene is a big part of why.

Been with us a while? Tell us how long in the comments, then meet the rest of the crew at leitnerinsurancegroup.com/about-us/meet-our-staff/.

Call a captive agent and you get one company's answer. Call an independent agency and you get choices.

That's the difference for the shop owners, contractors, and service crews we work with around Baltimore. We can put your coverage in front of multiple carriers, compare what each one handles well, and build something that fits how you actually operate. A roofing outfit and a corner cafe need very different protection, and neither should be squeezed into a template.

We are a family agency ourselves, so we understand the stakes. Talk through your commercial policy with us at leitnerinsurancegroup.com/business-insurance/.

As we all know, Maryland weather can be very unpredictable. A calm August afternoon can turn into wind, hail, and a tree limb across the driveway by dinnertime.

Most homeowners assume their policy has all of it handled, and sometimes it does. But a detached garage, a finished basement, or the cost to rebuild at current prices can sit in a quiet gap you didn't realize was there.

We would be glad to look it over with you at no cost and no obligation. Get in touch with us via https://www.leitnerinsurancegroup.com/locations/baltimore-maryland/ today.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call at (410) 285-3743 or visit our website at www.leitnerinsurancegroup.com for more information.

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, call us at (410) 285-3743 or visit our website at www.leitnerinsurancegroup.com for more information. We’re here to walk with you through your Medicare questions, step by step.