At  North Central Insurance Agency we are about building relationships.

  • Our Companies: As a “Trusted Choice” agency we offer insurance products from a wide variety of insurance companies. We have selected the top insurance companies who share our values of quality, stability, and reasonable pricing. We have relationships with many of these companies that span more than 25 years. 

  • Our Staff: The North Central team is knowledgeable, reliable, understanding, eager to help and loyal. All of our service staff has been with North Central for over 13 years! Terri, Shawanda, and Chrissy continue to provide stellar service to our clients. Ben Guttman joined our staff in 2018. His primary responsibilities are sales and marketing. Kym Cavey rounds out the North Central team as office administrator. 

  • Our Clients: No relationship is more important to us than the relationship we have with our customers. We serve our clients insurance needs on a personal level, something you can’t achieve from a call center or website where you have to do the work yourself. Our customer retention rates are among the highest in the industry. Many of our customers have been with us since their first policy and we believe it has everything to do with just how highly we value each and every relationship we have made throughout the years.



Our Founder, Gene Cavey, retired from the Maryland Casualty Insurance Company in 1984 to pursue his lifelong dream of owning his own independent insurance agency. Along with son, David, they searched for a location near their northern Baltimore County home. In January of 1985, they opened North Central Insurance Agency renting a location on York Road in Hereford, Maryland. Over the next few years, the agency quickly grew. Several insurance agencies were added to the North Central family including, Donahue–Brauner, Fallston Insurance Agency, King Insurance Agency, and the Planned Insurance Agency. In 1996 the agency moved to its current Hereford location adjacent to Interstate 83 and purchased the property in 2002.

Gene and David Cavey brought together the companies and staff needed to remain successful over the years. The key has been the high level of service and understanding given to each of our clients. North Central boasts some of the highest customer retention rates in the industry. In 2009 Gene Cavey passed away but his vision has remained steadfast. North Central Insurance Agency provides their clients with a “Relationship You Can Trust.”

In 2013 Hannah Callihan joined North Central Insurance Agency. Hannah is third generation at North Central as she follows in the footsteps of her father and grandfather.  Hannah is a 2012 graduate of York College of Pennsylvania. She brings a renewed vigor and drive to the agency that has helped North Central grow and embrace the future.

Both Hannah and David are graduates of Hereford High School and stay involved with the community. Hannah is president of the Hereford Independence Day Parade & Festival, Council Chair of her local church, serves on the Baltimore City Chamber of Commerce board and Farm Alliance of Baltimore board. David serves on the board of the Hereford Zone Business Association and is past president. He also serves as a board member of the Hereford Independence Day Parade & Festival, Hereford –Sparks Alumni Association and was appointed by Governor Hogan in 2015 to a five-year term on the Maryland Agricultural Fair Board. David was also the charter president of the Hereford Junior Farm Fair and remains involved with the fair. David received the 2017 Outstanding Alumni Award from The Hereford-Sparks Alumni Association.