Business Details
45 Years
experience
Your Trusted Insurance Partner in Martinsburg, WV
Founded in 1981 by James W. Smallwood and C. H. 'Jack' Small, Smallwood and Small Insurance has built a legacy of providing comprehensive insurance solutions tailored to individual and business needs. With over four decades of experience serving residents and enterprises across West Virginia, Virginia, Maryland, and Pennsylvania, we specialize in auto, home, life, business, and Medicare insurance products. Our team of dedicated professionals prioritizes personalized service, leveraging partnerships with top-rated carriers to deliver customized coverage at competitive rates.We emphasize proactive risk management, offering specialized policies for unique assets like collector vehicles and investment properties. Our commitment to community is reflected in our local expertise, responsive customer support, and educational initiatives to help clients make informed insurance decisions. As a family-operated agency, we maintain a client-centric approach while adapting to evolving industry standards through digital tools and innovative policy options.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Medicare Supplements
Renters Insurance
Mobile Home Insurance
Flood Insurance
Commercial Auto Coverage
Workers Compensation
Details
- Year established: 1981
Highlights and features
- We offer 40+ years of local insurance expertise and personalized service
- Our team provides customized coverage through partnerships with top-rated carriers
- We specialize in unique insurance solutions for collector vehicles and investment properties
- Our agency maintains a client-centric approach with responsive customer support
- We combine traditional service values with modern digital tools and policy options
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting vehicles against liability, collision, and comprehensive damages. Our policies include specialized coverage for classic cars, motorcycles, boats, and RVs. With options for towing, rental reimbursement, and uninsured motorist protection, we ensure tailored solutions for drivers across multiple states.
Home Insurance
Our homeowners insurance offers customized protection for primary residences, rental properties, and mobile homes. Coverage includes structural damage, personal property protection, and liability insurance. We specialize in flood insurance and seasonal property coverage while providing replacement cost guarantees for complete peace of mind.
Business Insurance
We deliver comprehensive business insurance solutions including general liability, commercial auto, and workers' compensation. Our packages combine property protection, business interruption coverage, and professional liability insurance. We also offer employee benefit programs and surety bonds to support small businesses and non-profits across multiple industries.
Life Insurance
We offer term and permanent life insurance solutions with flexible payment options. Our policies provide financial security for families through mortgage protection, college funding, and income replacement. We also offer disability insurance to protect against income loss from short-term or long-term medical conditions.
Medicare Supplements
Our Medicare supplement plans help cover costs not included in original Medicare coverage. We provide solutions for prescription drug coverage, long-term care, and respite care. Our experts assist clients in understanding healthcare terminology and selecting plans that match their medical needs and financial situation.
People
James W. Smallwood
Co-Founder
Co-founded Smallwood and Small Insurance in 1981 with a commitment to personalized service. Established the agency's community-focused approach and long-term relationships with top-rated carriers.
C. H. 'Jack' Small
Co-Founder
Co-founder instrumental in developing the agency's comprehensive insurance solutions. His legacy continues through the agency's dedication to protecting clients' assets and future generations.
Questions
What types of insurance do you offer?
We provide auto, home, life, business, and Medicare insurance solutions with specialized coverage for unique assets like collector vehicles and investment properties.
How can I get an insurance quote?
Request a quote online through our website or contact us directly at 304-263-3361. Our agents will help customize coverage options that fit your needs and budget.
Do you serve businesses?
Yes, we offer comprehensive business insurance including liability coverage, commercial auto policies, workers' compensation, and employee benefit programs for small businesses and non-profits.
What areas do you cover?
We serve clients throughout West Virginia, Virginia, Maryland, and Pennsylvania with localized insurance solutions tailored to regional needs.
Can you help with Medicare supplements?
Yes, we specialize in Medicare supplement plans that cover prescription drugs, long-term care, and other services not included in original Medicare coverage.
Are you available during emergencies?
While we don't offer 24/7 emergency services, our agents are available Monday-Friday 8am-5pm and can assist with urgent insurance needs through our claims support network.
Reviews (7)
Edward Wilson
May 12, 2022
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I have been insured with Erie through Smallwood & Small for more than 20 years. Their customer support is outstanding. My current agent contact, Tanya, is efficient, polite, and professional. I can't imagine meeting our insurance needs through any other agency.
Brian Masemer
Apr 12, 2022
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Diamond Maldonado at Smallwood and Small has done a great job for my wife and I. We really appreciate her prompt and courteous service. She's a professional.
Connie Neewbraugh
Nov 24, 2021
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Smallwood & Small Insurance has always gone the extra mile to provide outstanding customer service. Beth has been my insurance agent for many years and she is always just a phone call away. Customer service, coverage, and value you will not find a better agency!
Christy Mangold
Nov 02, 2021
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We transferred to this company when we bought our house 3 years ago. Trust me we shopped around and could not beat the prices they gave us. my car insurance being full coverage alone went down $100. Not to mention the deals we got on homeowners insurance. We have always been treated like we have been with them a lot longer then 3 years and their receptionist is amazingly polite and gets you to where you need to be immediately!
Kenny Leonard
Aug 27, 2021
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Smallwood & Small has handled all of my insurance needs from Commercial Auto to General Liability. I couldn't be more pleased with the relationship that is plus 20 years. They are very knowledgeable and very professional. Highly Recommend
Gwenn Powers
Jul 28, 2021
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Samllwood and Small has been so helpful with all of my insurance needs. I have referred many people to them because they offer such great service. As a writer at a body shop I know how important it is to choose the right insurance carrier. They offer Erie insurance and it is hands down the best insurance company!
Moses Greenberg
Jul 27, 2021
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Simply the best insurance company in Martinsburg. Smallwood & Small is a first class, very reliable & professional local insurance company. I have been a satisfied customer for over 20 years and they have always exceeded my customer service expectations (through multiple vehicle deer collisions to hail roof damage over the years). I very highly recommend Smallwood & Small for both home and auto insurance savings & service!
