“They have a deep understanding of the real estate business and the nuances of government processes of each county in their territory. They have successfully helped our company navigate the complicated real estate entitlement process and complete our buildings on time and on budget.”

– Michael Sheedy, Senior VP, Development
Preston Scheffenacker Properties

"IA is more of a partner than a service provider. They are an integral part of day to day operations and our overall strategic planning. The dedication and attention they afford us has been invaluable to our success and continued growth."

- Josie M. Geiger, Vice President
Contractor: BION

"We have found the knowledge possessed by IA of the surety industry and the Greater Washington DC construction marketplace to be unparalleled, even when compared to the national brokerage firms."

- Mike Burlas, CFO
Contractor: Miller and Long

"We have relied on IA to provide us with an insurance program that we value as an intricate part of our business model. They have delivered for us."

- Michael B. Goheen, CFO
360 H Street, Washington, DC
Owner: Steuart Investment Company

"When I first started with my company they were already working with IA. Now over 5 years later and several benefit changes later the people at IA continue to provide me with the service I have come to appreciate."

- Denise Roberts, Director of Human Resources
Government Contractor: AOC Solutions

Client Services

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Rockville Office:
Fairfax Office:
Laurel Office:
Towson Office:
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10201 Fairfax Boulevard, Suite 500
7901 Sandy Spring Road, Suite 102
305 W. Chesapeake Avenue Suite 204
Rockville, MD 20850
Fairfax, VA 22030
Laurel, MD 20707
Towson, MD 21204
Phone: 301.838.9400
Phone: 703.352.7333
Phone: 301.369.9155
Phone: 410.825.7360

Insurance Associates

Insurance Associates is a full service agency specializing in risk management in the construction industry. Our Business Insurance Agents provide clients with a complete array of services including surety bonding, commercial insurance, risk management, employee benefits, life and personal insurance coverage. Our Employee Benefits Division is proud to announce our latest partnership with United Benefit Advisors (UBA). This partnership will allow our clients to experience the comfort of working with a local advisor and the confidence that comes with the backing of a national organization. Being a partner in the UBA network enables us to share wisdom and harness the collaborative power of thousands of benefit experts throughout the nation and use this information to help our clients.

IA Blog

Pollution Coverage! What could happen?

Pollution Coverage! What could happen?As I meet with clients and we discuss coverages that are available and recommended, we always get to pollution coverage and the question always arises, “What are my exposures to pollution as a fill in the blank contractor?”  As you will see below, these scenarios in real-life settings are not unbelievable situations, but rather real life happenings that are common within each trade’s routine scope of work.  Pollution coverage should be considered to protect your business.  In addition to your need, we are starting to Read More...

Facts You Should Know For Distracted Driving Month

Facts You Should Know For Distracted Driving MonthApril is distracted driving awareness month.  Society has been lulled into a sense of security in that as long as one is using a hands-free device while driving that there’s no risk.  While this may be the law in many states, the reality is that the risk of crashing when talking on a hands-free phone conversation is about 4 times greater than when not using a phone at all while driving.  The TV show “Mythbusters” found that driving while using a hands-free device is as Read More...

The American Healthcare Act: What Does it Repeal and What is the Replacement?

The American Healthcare Act: What Does it Repeal and What is the Replacement?There has been much in the news regarding the proposed American Healthcare Act that is currently making its way to the House for a vote. Proponents think it is the answer to issues people have had with the Affordable Care Act (Obamacare). Critics are concerned it either does not go far enough to repeal the Affordable Care Act and/or it may result in higher costs and loss of coverage. So, let’s take a look at what the American Healthcare Act, as it stands today, does NOT Read More...


PRESIDENT TRUMP’S TRILLION DOLLAR INFRASTRUCTURE PLANThere is high expectation and generally strong political support for the Infrastructure Plan that President Trump has promised to announce shortly. Although the need to repair and replace the aging United States infrastructure is clear, the details of the promised Plan are somewhat vague, especially in regards to funding and project selection. To hopefully provide some insight, recently the Kansas City Star, A McClatchy Newspaper, published a “top 50” priority list of the infrastructure projects reportedly in the Trump Plan. The summary of the 50 Read More...

5 HR Compliance Resolutions for 2017

5 HR Compliance Resolutions for 2017As you may have heard, the Senate and the House have passed budget resolutions that instruct Congressional committees to begin working on legislation to repeal parts of the Patient Protection and Affordable Care Act (ACA).  Additionally, President Trump has signed an executive order calling upon federal administrative agencies to minimize the economic burden of the ACA, pending repeal of the law.  While we do not have a crystal ball so we can’t predict what changes are coming, it is a new year and a good Read More...

Let’s Bring In 2017 By Decreasing Workplace Falls/Injuries And Reinforce Some Ladder Safety Tips!

Let’s Bring In 2017 By Decreasing Workplace Falls/Injuries And Reinforce Some Ladder Safety Tips!I know it may sound almost too fundamental, but think about it.  Many of your employees have been using and climbing ladders daily for years.  It’s simple, it’s routine.  I get it.  But workplace falls, including those from ladders, account for a huge portion of all on-the-job injuries.  If it really is so fundamental and so basic, then let’s make sure that you are not one of many contractors in 2017 that will have one of your employees fall off a ladder and incur a Read More...

Things to Consider When Purchasing Builders Risk Insurance

Things to Consider When Purchasing Builders Risk InsuranceBuilder’s Risk Insurance tends to be one of the most confusing policies to implement for most Contractors and Owners.  As is the case with insurance on construction projects, the first consideration should be to carefully review the terms of the Construction Contract/ Agreement to be certain that the policy/coverage/terms purchased are in compliance. The Named Insured(s) should include the Contractor and the Project Owner and/or anyone else having a financial interest in the structure.  It is also important to decide which party will be listed as Read More...

Proud to be a Top Workplace

Proud to be a Top WorkplaceOur agency is excited to announce that in June this past year we were named a Top Workplace in The Washington Post.  This is our second year in a row that we are pleased to have won this honor.  We were ranked 17th out of 70 small businesses in Washington DC metro region.  This title was bestowed upon our agency by a survey that was conducted by a third party company, Workplace Dynamics, which surveyed the level of workplace satisfaction among our employees. We are proud Read More...


CONTRACTORS:  ARE YOU CONSIDERING BUYING A DRONE?Drones are becoming more popular, especially with larger contractors.  They can be a great tool to give an overview of jobsites and showcase the progress of work.  They are also being misused in some cases so one must be cautious in their use.  Therefore, one must be aware of guidelines and restrictions and utilize common sense. First, if you purchase a drone for your company, be aware that they are excluded for General Liability, under the Aircraft Exclusion.  You need to contact your agent to obtain Read More...

What Do You Mean My Theft Claim Is Not Covered??

What Do You Mean My Theft Claim Is Not Covered??Several months ago it was discovered that the president of a medium-large sized payroll company embezzled millions of dollars of clients’ payroll taxes that the owner stole instead of remitting them to the IRS or state & local tax authorities. The worst part was that this loss was not covered by the clients’ crime/fidelity policies, since the payroll company nor its owner were employees of the clients.  Neither was there coverage under the payroll company’s crime policy, since standard policy wording excludes theft by the owner Read More...

Job-Site Security: Video Surveillance

Job-Site Security: Video SurveillanceIf you own or operate a construction site, you know that theft is a major and costly concern. In fact, it’s estimated that more than $2 billion in construction equipment and copper electrical components like tubing or wiring is stolen each year. According to the National Equipment Register (NER), heavy equipment theft has been on the rise the past couple of years with 11,625 thefts being reported to law enforcement in 2014. The cost of being the victim of construction theft runs deeper than just the Read More...

Builders/Developers: Surety Bonds are your Best Option to Guarantee Improvements

Builders/Developers: Surety Bonds are your Best Option to Guarantee ImprovementsMany political jurisdictions have statutes that require an owner or developer of real property to post financial security to guarantee the completion of designated improvements as a precondition to granting a construction permit or to allow the recordation of a final parcel map. There are various ways to satisfy the financial security obligation, including: Cash Deposits Irrevocable Letters of Credit Surety Bonds (Subdivision/Improvement Bonds) The tool that should be seriously considered by all builders and developers is the use of surety bonds issued by licensed sureties, obtained Read More...

Landscape of Small Group Plans is Changing – What are Your Options?

Landscape of Small Group Plans is Changing – What are Your Options?As we progress further into 2016, we have observed significant changes to medical products offered by the carriers who insure small groups.  Complicating matters is the fact that, not only are products changing, but the previous products are no longer available.  This has put small businesses in a bind and has left them to juggle conflicting goals of keeping costs in line with their budget while still providing employees with what will be perceived as a strong benefits package. With the advancement of the Affordable Care Read More...

Cyber Liability For Contractors - Credit card information isn’t the only data at risk

Cyber Liability For Contractors - Credit card information isn’t the only data at riskMany contractors believe that they have little exposure to cyber-crime if they don’t take credit cards or store credit card data. Unfortunately, hackers have many ways to profit from your information once they’ve gained access to your computer system. Why contractors need to be concerned It’s not just large financial institutions or retailers that get hacked. In fact, Verizon’s "Data Breach Investigation Report" states that 85% of targets are small businesses. There are a number of reasons hackers may want to gain access to your systems, including: Access Read More...

IA Wellness Initiative

IA Wellness Initiative The idea that physical activity is important to health is not new. Ancient physicians and scholars believed it and Hippocrates wrote about it.  Regular physical activity comes with a wide range of benefits: weight loss, stronger muscles, healthy bones, and increased mood.  There is also a reduced risk of many diseases such as coronary heart disease, Type 2 Diabetes, and colon and breast cancer [1].  But did you know that physical activity can also improve your productivity?  Regular physical activity has been shown to make Read More...


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