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 the insurance industry. Our independent agency specializes in connecting clients with tailored insurance solutions through strategic partnerships with top providers. With decades of combined experience, our team prioritizes personalized service, ethical practices, and comprehensive risk management. We serve over 6,000 clients across the tri-state area, offering both personal and business insurance coverage. Our commitment extends beyond policieswe actively engage in community service through partnerships with local charities.Backed by industry designations and ongoing professional education, we ensure clients receive elite service defined by enthusiasm, active listening, and thoughtful solutions. Our 365-day approach to insurance emphasizes continuous client education and proactive protection of assets. Located in Bel Air, Maryland, we maintain a client-centric focus while adapting to evolving industry standards.
Services
Personal Insurance
Business Insurance
Commercial Insurance
Property & Casualty Insurance
Risk Management Solutions
Details
- Year established: 1969
Highlights and features
- We offer over 50 years of combined insurance expertise and industry designations.
- Our personalized approach pairs clients with customized coverage solutions.
- We maintain a 365-day commitment to client education and risk management.
- Our team holds elite service standards defined by immediate response and thoughtful solutions.
- We actively support local charities and community development initiatives.
What people say
Personalized approach
Industry expertise
Community involvement
Responsive service
Tailored solutions
Services
Personal Insurance
We provide comprehensive personal insurance solutions tailored to protect individuals and families. Our offerings include homeowners, auto, life, and specialty coverage options like event and flood insurance. With a focus on understanding unique client needs, we help craft policies that address specific risks while maintaining affordability. Our advisors guide clients through coverage options to ensure protection for valuable assets and life events.
Business Insurance
Our business insurance services safeguard companies against industry-specific risks through customized coverage packages. We offer general liability, property insurance, cyber liability, and workers' compensation policies tailored to business size and sector. By conducting thorough risk assessments, we help clients select appropriate coverage limits and deductible structures. Our team works closely with business owners to develop protection strategies that align with operational goals and regulatory requirements.
Risk Management
We specialize in proactive risk management strategies to minimize potential losses for individuals and businesses. Our approach includes identifying exposure points, implementing preventive measures, and structuring appropriate insurance protections. Through ongoing client education and policy reviews, we ensure coverage evolves with changing circumstances. Our advisors provide guidance on risk mitigation techniques that complement insurance solutions for comprehensive protection.
Commercial Lines
Our commercial lines services address specialized insurance needs for businesses of all sizes. We offer builder's risk, professional liability, directors & officers liability, and inland marine insurance among other niche products. With access to multiple carriers, we secure competitive pricing for complex coverage requirements. Our experienced agents provide ongoing policy management and claims advocacy to support business continuity.
Community Engagement
We demonstrate community commitment through active involvement with local charities and organizations. Our agency partners with groups like the American Cancer Society and Harford Community Action Agency to address critical needs. Through sponsorships, volunteer work, and fundraising initiatives, we contribute to regional development. This community focus informs our client service approach, ensuring alignment with local values and priorities.
People
Martin E. Bramhall
President & CEO
With over 40 years in insurance, Martin leads WSMT Insurance as President & CEO. He oversees carrier relationships and sales strategy while maintaining active client engagement. His industry leadership includes board positions with major insurers and the Cancer Support Community of Delaware.
Denise Bramhall
Vice President
Denise manages daily operations with 35+ years of insurance experience. Holding CPCU and CIC designations, she specializes in agency management and client service optimization. She earned her marketing degree from Towson University and contributes to industry education initiatives.
Jimmy Dyches
Insurance Advisor
Jimmy provides advisory services with an MBA and CIC designation. His background combines insurance expertise with IT staffing industry insights. He focuses on commercial lines solutions while maintaining active community involvement through local sports and charity work.
Patty Gangl
Commercial Lines Manager
Patty manages commercial accounts with 35+ years of agency experience. Holding CIC and CISR designations, she specializes in business insurance solutions. Her expertise includes construction, real estate, and professional services sectors, providing tailored coverage strategies.
Tom Mottley
Insurance Advisor
Tom offers insurance solutions with prior commercial real estate experience. He graduated from Lafayette College with an economics degree and focuses on property coverage for landlords and businesses. His approach combines risk assessment with market knowledge to secure optimal protection.
Questions
What types of insurance does WSMT Insurance offer?
We provide personal insurance (home, auto, life) and business insurance (liability, property, workers' comp) with specialized options like cyber liability and event insurance.
Do you serve areas outside Maryland?
Yes, we serve clients in Pennsylvania, Delaware, and surrounding states in addition to Maryland.
How can I get a quote?
Contact us via phone, email, or our website to speak with an advisor who will assess your needs and provide a customized quote.
What makes WSMT different from other agencies?
Our 50+ years of local experience, industry designations, and community focus create personalized solutions with elite service standards.
Can I manage policies online?
While we recommend personal consultations, some billing functions are available through carrier portals linked on our website.
Reviews (5)
Michael Giglio-Tos
Oct 14, 2021
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Worked with Vicki today and she was so nice and helpful and of course more importantly got me a much better rate! Thx Vicki!
Lamar Hopkins
Aug 16, 2021
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We have been with WSMT a long time. We are so taken care of and prices are the best. You must appreciate great service and great people.
Ryan Hayes
Jul 12, 2021
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Both as a client, and as a former employee, I can say that this agency GETS IT. If you are looking for an insurance agent that treats you like a partner, not a number, you don't need to look any further. You just need to call.
Alex P.
Jul 04, 2018
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Largest independent agent in Harford County they will save you tons of money and give you amazing service. They have more markets than any other insurance agent in Harford County so can almost guarantee you the best rates. I have had my insurance with them for 8 years and haven't found anyone who can beat them on price. My wife had an accident last year and the company they put us with did an outstanding job on the claim.
James Archer
Jan 21, 2017
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I went there yesterday to revise my homeowner's policy and I was assisted by one of their agents Carol who did a fabulous job.
