CNR Insurance is an independent insurance agency with offices in Annapolis and Laurel, MD, serving clients in MD, VA and Washington DC.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

What sets us apart:


As an independent insurance agency we have great relationships with many well-known, highly rated insurance companies, giving you the power of choice.


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. We treat our customers like family.

years of commitment to our clients
years of combined industry experience
clients in MD, VA, DC and beyond

CNR Insurance, Inc. is a full-service, independent Maryland insurance agency representing several highly rated insurance companies for all types of personal, business and life insurance related products.

In 1981, Fred & Terry Crismond founded The Crismond Insurance Agency in Annapolis, MD. Fred & Terry enjoyed many good years in the business before they decided to pursue aspirations outside of insurance. When they retired In 2001, Stacey Nicholson & Bill Reagle took the helm.

Prior to that acquisition, Stacey had worked as a District Sales Manager and a Branch Sales Manager for Erie Insurance. Bill had also worked for Erie as a Claims Representative and a a Sub-Agent.

Stacey & Bill grew the business organically. Then in 2012, they met Bill Roberts, Ernie Catucci & Ron Farley, who together owned First Insurance Services and were looking to to slow down and shed some of the responsibilities of agency ownership. A merger was born. Bill is now fully retired, but Ernie & Ron continue working with us today.

A short 5-years later, Carl Rutan approached us and wanted to settle down as well.  He wanted to find an agency that could provide exceptional service to his clients without missing a beat.  He knew we had the right people and experience to meet his primary objective, and so a merger had formed.  Although Carl is no longer involved in the agency’s daily operations, he is available whenever he is needed.

Today, our Maryland insurance agency represents some of the finest insurance companies in the nation and have the best staff that clients and owners could ever want. This means superior service from our account managers, comprehensive coverage and competitive prices from the highly rated companies we represent… all for you, our valued clients! We are standing by and ready to serve you.

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At CNR Insurance, our mission is very simple. We strive to ensure that customers are properly educated about insurance needs, options and costs and provided with solutions they are satisfied with and are easily obtained. To accomplish this, we ensure that only the best carriers are utilized to provide reliable and efficient service. We offer comprehensive insurance solutions in Annapolis, Laurel, Arnold, Severna Park, and throughout MD, VA and Washington DC.