Anne Arundel County Insurance

David L. Smith Part of the Crilly Insurance Team

/ Nadja Maril / Leave a comment

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When the Crilly Agency based in Anne Arundel County acquired the David A. Smith Nationwide Agency located in Catonsville at 922 Frederick Road, they also gained several valuable employees. One of them is David L. Smith. David  has been an insurance professional for over 27 years. He joined the Crilly Agency in 2019 when the David A. Smith Agency became part of Peter B. Crilly & Associates Ltd. David considers the most important aspect of his job to be listening to customers. “Whether it’s auto insurance, homeowner’s insurance, life insurance, commercial insurance, or a 401k/IRA account, I take pride,” he says, “In alleviating my client’s concerns by showing them how to protect themselves through our large selection of insurance products.”

A Commercial Line Coverage Specialist (CLCS), he holds licenses in property & casualty, Life & health, and Financial products( Series 6). “Each case is completely different,” he explains when describing his attraction to selling commercial policies. “I like the challenge of finding the best coverage for each client.”

When it comes to buying insurance, David would like customers to know that the key to success is finding an agent who is willing to take the time to understand your situation, explain how best to cover your needs and to implement cost-effective coverage that meets or exceeds your expectations. Even after a policy is purchased, a good agent will continue to monitor the policy status and be prepared to offer new products when appropriate.

A Baltimore native, David with his wife Karen and their two sons reside in Ellicott City, which David loves for its family-friendly atmosphere.  David is a devoted  Howard County softball player as well as an umpire for adult Softball and Kickball leagues. A Dallas Cowboys season ticket hold and super fan, he also collects classic (1992-present) pinball machines.

Annapolis Businesses Need the Right Kind of Insurance: Product Liability Explained

/ Nadja Maril / Leave a comment

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Being your own boss, running your own business can be both liberating and profitable.  That’s why business insurance is so important. Knowing the best way to insure your business will help save time, money, and headaches. At Peter B. Crilly and Associates, we’re here to help explain what is covered in a business insurance policy. One type of business insurance you’ll want to know more about is called  Product liability Insurance.

You may work hard for many years to build your company into something special. However, it can all be brought down with one error or mistake from one of your employees or suppliers. You are responsible for the actions of your staff and business associates and here are some examples:

1) A catering business worker is running short on time and fails to wash the fruit and vegetables included in an appetizer tray. As a result, several people become ill and are hospitalized.

2)  A worker at a construction site tries to save money by using cheaper materials, and the porch they have built  collapses when stressed with too much weight.

3). Equipment for a salad dressing company malfunctions and mixes in a peanut product into the ingredients not included on the labeling, resulting in an allergic reaction experienced by several consumers.

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Product liability and product liability insurance covers three basic issues:

  • Defective products
  • Defective design
  • Failure to provide adequate product warnings to users

Without product liability coverage, the business owner could be sued for millions of dollars in damages, including medical expenses and lost wages. If you manufacture, distribute, supply, or sell products to the public, product liability coverage is extremely important.

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Protect Your Basement

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If your basement is susceptible to flooding and you rely on a sump pump in time of heavy rain, consider purchasing a back-up sump pump and a back-up power source which can be a battery or small generator. This will protect you in case you lose power Also make certain your homeowner’s policy has “water back-up” to cover sump pump failure. Remember when you have a claim, the deductible comes out of your pocket.

Always clear the French Drain and entry area outside your basement area of leaves to make certain water does not collect.

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