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About Us

Germantown Maryland Insurance AgentKlinger Insurance Group is a prestigious independent insurance agency and brokerage firm based in Germantown serving the Washington, D.C. metropolitan area licensed in twenty-two states. Klinger Insurance was founded in 1993 and insures over 8,300 clients throughout our region with over 10,000 policies currently in force. We act as agents, advisors, administrators and brokers.

Klinger Insurance Group specializes in the risk management for personal and commercial exposures. We have (3) divisions in our company – personal lines division, commercial lines division, and employee benefits division. We offer a full array of insurance and related services, including auto, home, umbrella, boat, recreational vehicle, antique auto, commercial insurance such as business insurance, worker’s compensation, commercial auto, umbrella, E&O, D&O, malpractice insurance, full array of employee benefits such as group health, group life, AD&D, Dental, Vision and Group Long Term Care.

As an “independent” brokerage firm, we are able to design an insurance program tailored to meet your personal and business needs. We represent several of the largest insurance carriers which are some of the most financially strong companies in the country. Our access to these sources enables us to respond quickly and efficiently to the rapid and often extreme fluctuations in today’s insurance marketplace.

Our clients include both individuals and businesses. Our firm is fluent in English, Korean, Chinese, Russian, Spanish, Vietnamese, Tagalog, Uyghur, Turkish, and Uzbek. We are licensed to do business in California, Colorado, District of Columbia, Delaware, Florida, Louisiana, Maryland, Massachusetts, Michigan, Missouri, Mississippi, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia and, West Virginia and the list is growing. We have specialized insurance programs for Drycleaners, Restaurants, Liquor Stores, Beer & Wine Stores, Hair & Nail Salons, Contractors, Wholesalers, Grocery Stores, High Tech Companies and more. Business clients, for example, may have local and national exposure that needs to be addressed in a different way than individuals. We are confident we can meet your needs.

Klinger Insurance Group strives to ensure that our clients receive the most cost-effective, comprehensive coverage that addresses both present and future needs. We are constantly adding new insurance carriers to our list of options, providing better coverage for our clients, as their insurance needs change.

As an agent/broker we represent each client and acts as account executives to coordinate all of their insurance needs. In addition, we monitor your insurance portfolio to ensure that you receive the maximum benefit. As your agent/broker we serve as the liaison between you and the insurance company. Staying abreast of the latest innovations, Klinger Insurance Group maintains close ties with its clients, ensuring each individual or business long-term well-being.

An Independent Advantage

We are Independent Agents in Germantown, Maryland, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Klinger Insurance Group represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice! You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice, it is up to us to educate you, guide you and give you choices.