Business Details
50+ Years
experience
Your Trusted Insurance Partner in Bel Air, MD
Founded in 1969, WSMT Insurance has built a legacy of trust and expertise in connecting clients with tailored insurance solutions. Our team of seasoned professionals leverages decades of combined experience and strong relationships with top insurers to deliver personalized risk management strategies. We prioritize face-to-face interactions, ensuring clients receive customized coverage that aligns with their unique personal and business needs. With a commitment to integrity and community, we serve over 6,000 clients across the tri-state area, offering comprehensive protection for homes, vehicles, businesses, and life events. Our ELITE service standardEnthusiastic approach, Listening carefully, Immediate response, Thoughtful solutions, and Exceeding expectationsguides every client interaction.As active participants in local charity initiatives, we strive to make a positive impact beyond insurance. Our leadership team, including industry-recognized professionals with advanced designations, ensures we maintain the highest standards of expertise and client care. Whether safeguarding a familys assets or a businesss operations, we provide year-round support that goes beyond policy sales. Our focus on continuous education and ethical practices solidifies our position as a trusted advisor in Harford County and beyond.
Services
Homeowners Insurance
Personal Auto Insurance
Business Owners Policy
Cyber Liability Insurance
Workers' Compensation
Event Insurance
Flood Insurance
Commercial Property Insurance
Details
- Year established: 1969
Highlights and features
- We offer over 55 years of combined experience in the insurance industry.
- Our team includes professionals with advanced designations like CIC and CPCU.
- We provide personalized risk management solutions tailored to client needs.
- We maintain strong relationships with top-tier insurance carriers nationwide.
- Our ELITE service standard ensures exceptional client care and responsiveness.
What people say
Exceptional customer service
Tailored insurance solutions
Prompt claims processing
Deep industry expertise
Community-focused approach
Services
Homeowners Insurance
Protect your home and belongings with customizable policies that cover property damage, liability, and additional living expenses. Our agents analyze your specific risks to recommend optimal coverage limits and endorsements like flood or scheduled personal property protection. We partner with top-rated insurers to ensure competitive rates and reliable claims support for Bel Air residents.
Business Owners Policy
Safeguard your business with bundled coverage combining property, liability, and business interruption protection. We tailor policies to address industry-specific risks, offering add-ons like cyber liability and professional liability coverage. Our commercial team works closely with Maryland businesses to ensure adequate protection for physical assets, operations, and employee-related exposures.
Cyber Liability Insurance
Mitigate digital risks with comprehensive cyber insurance covering data breaches, ransomware attacks, and network security failures. We help businesses implement risk management strategies while securing policies that cover legal fees, notification costs, and business continuity expenses. Our specialists stay current with evolving cyber threats to provide robust protection for modern enterprises.
Workers' Compensation Insurance
Comply with Maryland regulations while protecting your workforce through customized workers' comp policies. We offer coverage for medical expenses, lost wages, and legal costs associated with workplace injuries. Our team assists businesses in risk assessment and safety program development to potentially reduce premiums and workplace incidents.
Event Insurance
Secure temporary protection for weddings, festivals, and corporate events with flexible event insurance policies. We provide liability coverage, weather-related cancellation protection, and equipment rental insurance tailored to specific event needs. Our agents work with clients to ensure adequate coverage for both indoor and outdoor gatherings across Harford County.
People
Martin E. Bramhall
President and CEO
With over 40 years in insurance, Bramhall leads WSMT's strategic direction and carrier relationships. He holds leadership roles in multiple industry councils and serves on the Cancer Support Community of Delaware board.
Denise Bramhall
Vice President
A 35-year insurance veteran, Denise oversees daily operations and holds prestigious CIC and CPCU designations. She earned her marketing degree from Towson University and focuses on maintaining WSMT's operational excellence.
Jimmy Dyches
Insurance Advisor
MBA-holding advisor specializing in commercial lines. Dyches combines IT staffing background with insurance expertise to serve local businesses, prioritizing community-focused solutions while maintaining CIC certification.
Patty Gangl
Commercial Lines Account Manager
With 30+ years in commercial insurance, Patty provides personalized service to business clients. She holds multiple industry certifications and focuses on building long-term client relationships through technical expertise.
Marley Lapreziosa
Commercial Lines Account Manager
MBA and CISR-designated professional serving commercial clients since 2016. Lapreziosa combines advanced business education with practical experience to deliver tailored insurance solutions for growing enterprises.
Questions
What types of personal insurance do you offer?
We provide homeowners, auto, flood, life, and event insurance, along with specialized coverage for boats, RVs, and scheduled personal property in Maryland.
How do you personalize insurance policies?
Our agents conduct detailed risk assessments to understand your specific needs, then leverage relationships with multiple carriers to create customized coverage solutions.
What commercial insurance coverage options are available?
We offer business owners policies, cyber liability, workers' compensation, professional liability, and industry-specific coverage tailored to Maryland businesses' unique risks.
How do I file an insurance claim?
Contact our office during business hours or use our online portal to report claims. Our team will guide you through documentation requirements and coordinate with insurers for timely resolution.
Are you involved in the local community?
Yes, we actively support local charities and maintain board positions with organizations like the Cancer Support Community of Delaware.
Can I manage policies online?
Yes, our client portal allows policyholders to access documents, make payments, and communicate securely with our team 24/7.
