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A to Z Insurance Services, LLC

We are licensed in & service all areas of Maryland, West Virginia, Pennsylvania, Virginia, District of Columbia, & Ohio. We can help you with your insurance needs from A to Z. Whether it’s general liability, commercial auto, workers compensation, cyber liability, errors & omissions liability, personal auto, home, umbrella, life, & farm insurance, we can help you with any of your insurance needs. We have specifically focused on contractors, restaurants, auto body & auto repair shops, wineries & breweries to name a few, but that doesn’t mean we can’t help you with your business or personal insurance needs if they’re not named above. Reach out to us & let us know how we can help you with your insurance needs. We’d be happy to help.


10226 Governor Lane Boulevard
Williamsport, Maryland 21795

Office Hours

  • Monday 09:00 AM - 05:00 PM
  • Tuesday 09:00 AM - 05:00 PM
  • Wednesday 09:00 AM - 05:00 PM
  • Thursday 09:00 AM - 05:00 PM
  • Friday 09:00 AM - 05:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Josh and the rest of his team make up a top notch agency. They are very friendly, helpful and go to great lengths to meet the customers need. I've never experienced a more helpful insurance office/team always willing to take the necessary time and actions to satisfy the customer. You won't go wrong here, check them out and see for yourself! -- Darryl Binkley”
“Josh, I think you are the agency's biggest asset. I realize Everyone is different...but the big thing I like about you is that you appear to be very real, and forthcoming. You share about your personal experiences (even on the website), which is very refreshing in this day in age when we deal with a customer service reps at some remote location, in many of our consumer experiences. You are very prompt when I issue a request...and also very informative when I have questions to ask. I would highly recommend you! -- Mike Stanfield”
“Josh is awesome!.. This ma knows his stuff and will be ready to answer any questions you have and believe me I had a TON of questions.. My personal auto and Commercial auto are in his hands.. Even if he isn't selling you insurance he was willing to look over Quotes for me to make sure I was ok .. Josh is a all around geart guy and I'm glad to know I have him and his team in my corner. -- Josh Merrbaugh”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!