North Central Insurance Agency Blog

Welcome to the North Central Insurance Agency Blog. Stop by for to read about the latest in the industry, check our articles on practical tips related to the areas of insurance we specialize in, and find out some of the latest happenings with NCInsure and the Northern Baltimore County community.

4 Best Practices for Insuring Greenhouses

Written by David Cavey on Monday, 06 November 2017. Posted in North Central Insurance News

4 Best Practices for Insuring Greenhouses

Best Practices for Insuring Greenhouses

David W. Cavey is the owner and President of North Central Insurance Agency, an independent insurance agency offering farm insurance and many other insurance products throughout Maryland and Pennsylvania.

For the purposes of today’s discussion, I will concentrate on Greenhouse Insurance as it applies to a farm insurance policy. If you have a commercial nursery operation then you most likely, or should have a commercial insurance policy and that deserves its own discussion.

With the farm to table movement many small sustainable farms are popping up and that’s a great thing. Both new and seasoned farmers are getting into this market. To ensure the natural process and get a jump on Mother Nature many farmers have constructed Greenhouses. Here are a few things that can keep insuring your Greenhouse from growing into an issue:

  • A Greenhouse is considered a Farm Structure. Although some farm policies allow a grace period to add a new structure, farm structures are not automatically covered. You have to contact your agent or company representative to add the structure.
  • Insurance companies want to make sure that your Greenhouse is of sound construction. A plywood structure with thin ply plastic covering may not cut it. Older glass panel Greenhouses can also be an issue. Hoop Houses, that are popular now, are usually acceptable. The insurance company wants to make sure that it is secured properly. If the structure is permanently secured on a masonry foundation they may offer discount pricing and broader coverage. Some insurance companies may not offer “broad” form coverage on Greenhouses. This would eliminate collapse from the weight of ice and snow. So be sure you ask about the coverage that is being offered.
  • Make sure that you are insuring your Greenhouse to the proper value. Most insurance companies require that farm structures are covered for at least 80% of the Replacement Value under Actual Cash Value coverage. Insuring it for a lessor value could cause settlement issues if a claim arises. If you’re not sure what value to insure your Greenhouse or any farm structure your agent or company representative should have construction value software available. Depending on the age and construction of the structure, replacement cost coverage may be available.
  • Contents of a farm structure are not typically included in the structure value. They have to be added to the Farm Personal Property section of your farm policy. If items such as your heating and lighting system or racks are permanently installed then they are typically included in the structure value.

We have just touched a few items about insuring Greenhouses. Clear and honest discussion with a knowledgeable farm insurance agent is key in making sure you have the insurance you need. Give us a call to find out how we can help you properly insure your greenhouses.

Happy Growing!

David W. Cavey – President
North Central Insurance Agency

28 Years

Written by David Cavey on Tuesday, 04 June 2013. Posted in North Central Insurance News

28 Years

Yesterday marked my 28th anniversary with North Central insurance Agency. Probably the best part of the job has been the interaction with people. Prior to that I worked for 9 years on the family farm in Upperco, Maryland and most of my interaction was with Holstein cows.

Over the years I have had the privilege of creating relationships with my clients that I am very proud of and grateful for. Being a part of the Hereford Zone community has also been a great experience. Being able to interact daily with the people I grew up with is great. Almost 10% of the Hereford High School graduating class of 1980 has been clients of mine. I have also had the opportunity to volunteer alongside some wonderful dedicated people that have made  Northern Baltimore County a better place.

You cannot be successful or enjoy your work if you do not surround yourself with good people. The personnel of the companies we work with are a pleasure to deal with. But most importantly has been the stafsf that I have had the privilege to work with over the last 28 years. Our current staff of Terri, Chrissy, Shawanda do a superb job of working with our clients and are a wonderful to work with.

Life is Good here in the Hereford Zone on this Beautiful June Afternoon!

Family Legacy

Written by David Cavey on Thursday, 20 December 2012. Posted in North Central Insurance News

The Holiday season is often a time for us to reflect back on the past year, thanking the Lord for our friends and family and remembering those who have gone before us and the legacy they left behind. A few months ago my brother Chris retired after 32 years as a local Nationwide insurance agent. This leaves me to carry on the insurance legacy of the family.

Our grandfather Raymond Armacost Sr was a farmer. Raising his family during the Great Depression was not an easy task. However his progressive attitude and sales ability made him successful. He even was able to take his family on a vacation to Florida during the 1930’s. My Grandfather could sell anything from lady Bugs, Seeds, Silos and yes, insurance. He sold farm, home and auto insurance written through the Farm Bureau which later became Nationwide.

My Uncle Eldridge took over the insurance sales and grew the business substantially during the 60’s and 70’s.He was a friendly man who could talk to anyone and was a natural born salesman like his father. In 1980 my brother Chris took over the agency and had a successful 32 year run.

Meanwhile in the late 1940’s my mother went to work as a secretary at the Maryland Casualty Insurance Company. That is where she met my father who was a file clerk. Over the next 36 years Gene Cavey worked his way from the file room to a vice president position in commercial lines insurance underwriting. At age 55 he felt the call to do something different and he and I started North Central Insurance Agency. 27 years later my mother and I continue on, providing the Greater Baltimore area with quality insurance products with exceptional service as has been the case since my Grandfather sold his first policy almost 80 years ago. 

God has given me a wonderful heritage and blessed me with a beautiful family, great staff and the best clients ever. So, here’s wishing everyone a very blessed Christmas and hopes for a prosperous 2013.

Shopper Chopper

on Monday, 05 November 2012. Posted in North Central Insurance News


Recently North Central Insurance Agency was presented with a unique insurance request. We were contacted by an agent in south central Pennsylvania that had a potetial client that built a motorized shopping cart. This agent was not able to find an insurance market so the North Central team took over the chalange. Before loong we had secured coverage for the "Shopper Chopper".

For more insofrmation about the  "Shopper Chopper" and how to secure this unique  creation for your next event, visit To find an agent that will take the time and has the abilty to secure coverage on even the most unique items found in Maryland, pennsylvania, West Virginia or Delaware visit or call (800)536-6618.

Hurricane Sandy

Written by David Cavey on Friday, 26 October 2012. Posted in Insurance Tips

Hurricane Sandy or “Frankenstorm” appears on it way toward the Baltimore County region ready to wreak havoc and ruin Halloween plans. Preparation is key. There are many helpful websites including


As far as taking precautions to avoid potential insurance losses here are a few common sense tips:

  • Move your cars are moved away from under trees, power lines or low lying areas.

  • Move any non secure items such as Grills and lawn furniture inside.

  • Make sure that windows and doors on all buildings are closed and secured.

  • Make sure your gutters and downspouts are clear and drain out away from your house.


If something does happen most homeowners policies allow and encourage you to take measures to temporally repair or take precautions from allowing the damage to worsen. However never put your self in harms way. Contact your company directly as soon as you can. Most companies have 24 hour claims lines. If you do not have your companies direct reporting information and you are insured through one of North Central’s fine portfolio of companies our hurricane sandywebsite has links and claim reporting information.  If immediate restoration is needed we recommend Rainbow International (410)882-5019 or Servpro (410)229-0012. Please note that some water claims are not covered under homeowners insurance policies. Check you policy to see if you have “Back up of Sewers and Drains coverage”. Also any water damage that is considered Flood or surface water can only be covered if you have a National Flood insurance policy. You can contact our office to learn more about Flood insurance.


Stay safe and dry and see you on the other side of Sandy.

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