Independent Insurance for Families & Businesses
Coverage That Fits Real Life in Maryland, Delaware & Beyond.
Insurance that fits real life, not just the paperwork. From beach homes to business policies, we’ve got you covered on the Delmarva coast.
40+
Over 40+ 5 Star Reviews on Google
2000
Dependable since 2000
Protect What You Own, Drive & Live In, Without the Fuss.
At our agency, we provide personal and business insurance solutions tailored to life on the Delmarva Peninsula. With over two decades of experience and a deep understanding of the risks faced by coastal homeowners and small businesses, we help people in communities like Dover, Easton, Ocean City, and beyond get the protection they actually need—without the corporate runaround.
Personal Insurance
Whether you’re driving through Dover or living near the bay in Easton, we help everyday people protect the things that matter most. From home and auto to flood and umbrella policies, our team makes it simple to get the right coverage—with none of the corporate headaches.
Business Insurance
You’ve got enough on your plate—your insurance shouldn’t be a mystery. We work with small business owners, offering policies that protect property, people, and peace of mind. Whether you’re a landscaper, or a restaurant owner, we’ll help you build a plan that makes sense.
Insurance By Industry
From farms in Caroline County to local contractors in Dover, every business faces different risks. We offer industry-specific insurance packages designed to match your work, your tools, and your team. When it’s time to renew or expand, we’re here to walk you through it.
When you choose to work with an RamseyTrusted, you are assured to work with a committed agent who listens to your needs and will find you the right coverage for the right price. Only independent agents are endorsed, so you are not limited to one company.
The Independent Advantage
More Coverage Choices
We offer a wide range of personal & business insurance options from multiple carriers—not just one brand.
Advisors, Not Salespeople
Our licensed agents help you understand your options and build a policy that actually fits your life or business.
We’re Here When It Matters
From the first phone call to filing a claim, we're by your side every step of the way.
Rooted in the Community
We live here too. We know the risks, the weather, and the quirks of insuring homes and businesses on the coast.
Testimonials
What Our Clients Are Saying
"These guys have done excellent in taking care of me for many years. I've come close to missing payments and they have always made sure I didn't. Great folks all the way around. Highly recommend!"
-Sam Heise
"Always a pleasure to see the team at Omega Insurance. Very personal experience exploring and analyzing all of the options available for me. Top shelf all the way."
-Walter Deen
"The Dulls and their Crew are AWESOME!! Always doing the best for us as a customer, and engaged in being part of the Communities they serve!!"
-Greg Schrempp
Stay Connected With Us!
Quick Answers, Honest Advice
Simple Advice for Local Insurance Questions
Do you only work with one insurance company?
No—we’re an independent agency, which means we work with multiple top-rated insurance carriers. That gives us more flexibility to find a policy that actually fits your needs, instead of pushing one brand.
Can I bundle my home and auto insurance?
Yes, and many of our clients do. Bundling can save you money and make your coverage easier to manage. We’ll show you your options and let you decide what makes sense.
What types of businesses do you insure?
We work with a wide range of businesses—from contractors and landlords to restaurants, farms, and local shops. Whether you’re running a one-person crew or managing multiple locations, we’ll help build a coverage plan that fits.
What states are you licensed in?
We’re licensed in Delaware, Maryland, Virginia, and Pennsylvania, and we primarily serve clients throughout the Delmarva Peninsula and surrounding coastal areas.