CNR Insurance has you covered.

In this day and age, with so many choices, it’s easy to get overwhelmed. You need a pro who will sit down with you, explain the options and help you design coverage that works for your unique situation. That’s where we come in.

We are a Full-Service Agency

Does your current Agent or Company offer a full compliment of Personal, Business & Financial insurance products? We do, and we have it all under one roof with specialists in every area. Avoid insurance overlap, consolidate bills and get it all in one place with CNR Insurance.

We are True Counselors (not just coverage quoters)

We’ll make sure you know what you bought when you buy an insurance or financial product at CNR Insurance. We believe in educating you before the sale so that you can make an informed decision about the type and amount of insurance to buy. There is SO MUCH to know about the insurance you buy. Who has time for it? We do. And we can condense the most important provisions of the policy, tell you how our product stacks up to yours in terms of coverage and let you make a buying decision on not only price, but coverage too.

Depth of Experience

Want to talk to a Certified Insurance Counselor (CIC), Chartered Property & Casualty Underwriter (CPCU), Certified Financial Planner (CFP), Certified Risk Manager (CRM), Certified Life Underwriter (CLU), Life Underwriting Training Counsel Fellow (LUTCF), Certified Insurance Service Representative (CISR), we have them all here at CNR Insurance. Visit for more information of these designations. Combined, we have more than 250 years of industry related experience and we aim to put that to good use for you!

Companies We Represent

Some folks call us for Erie Insurance, others call us for Encompass, Hartford, Safeco, Travelers, etc… the list goes on. Others just call and tell us, “Here’s our situation, what company do you recommend?” What ever it is you desire when you call, we have and give you choices. We are truly independent so what’s in your best interest is always on our minds; and quite frankly, that’s the way it should be as you are the premium paying customer.


Let’s face it, insurance is a “personal” business. Agents ask a lot of questions. We know a lot about you. It is necessary for proper underwriting of a policy. So the question is, do you want to share this information with an agent just in it for the quick sale, or a company where you’ll never speak to the same representative twice, or do you want to share this information with an agency like CNR Insurance that truly desires to get to know you and your family? After all, how can any agent or company possibly advise you on the coverage that you need if they don’t know you, your exposures, your financial goals, etc.?


Our motto truly is the golden rule, plain and simple. We want to treat others as we ourselves want to be treated. We always try to go the extra mile to assist our clients whenever possible. Calls are returned quickly, mail, email & faxes addressed promptly. We are accessible. We think our level of service is what sets us apart from the competition, quite frankly. We really take this seriously!

Added Benefits

We offer free financial seminars for our client’s once a month in our office and offer free financial snapshots. We have an arrangement with a reputable estate planning attorney to charge reduced costs for simple wills and powers for our clients. We have an arrangement with a reputable business law attorney for discounted legal services for our clients who want to start their own business. We mail newsletters and other informative documents regularly. We have offered discounted jewelry appraising to our clients in the past and are always looking for more value added reasons to do business with CNR Insurance.

Active in the Community

We all live, drive, shop, work, recreate, etc. right here in this community just like you. We always try to buy local to support our local economy, when possible. This community gives us so much and we really try to do our best to give back to it whenever possible. Furthermore, some of our agents are members of the Rotary, Chamber of Commerce, Entrepreneur’s Exchange, Business Networking International, Chesapeake Regional Tech Council, Anne Arundel Commercial & Industrial Association, etc.


Before we decide to represent a company, it is imperative that they have a reputation for fair, fast and courteous claims service. We realize that great rates and agency service are nice, but if the carrier is not there for you at claim time then things are not good. Although we feel our carriers do a pretty good job when it comes to settling claims, there have been times when we had to step in and be your claims advocate. Wouldn’t it be nice to know you have an agent who is willing to do that?

Annual Client Reviews

As a service to our clients we offer free annual reviews. For those clients that wish to take advantage of this service we review their account on an annual basis. Exposures change throughout the year and it is a good idea to review your coverage’s to make sure that we are aware of anything that may have changed.