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Half a Century of Bringing Our Clients the Right Insurance

Lebherz Insurance Agency is your premier, multi-line independent agency offering competitive coverage and rates.

About Our Agency

Since 1969, Lebherz Insurance Agency has been bringing our clients the highest quality insurance solutions at competitive rates. With access to a number of the best regional and national insurance companies, we’re able to offer a variety of comprehensive coverage options. We specialize in offering insurance coverage for home, auto, life and business policies. Our primary goal is to deliver the right blend of price, coverage and service to protect what you value most.

As your professional insurance advisors, we’re here to make the insurance process as simple as possible. By explaining the risks you face in your life or business and going over your coverage options, finding you the right insurance policy is what we do best. So if you’re looking for insurance that works for your best interests, contact us today to get started with a quote.

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Full-Service Agency

As an independent, multi-line agency, we have the insurance solutions you need to protect what matters most.

Best Insurance Companies

By partnering with the best regional and national insurance carriers, we’re able to provide our clients with the highest quality coverage.

Five Decades of Experience

Established in 1969, our agency has the experience and knowledge to provide insurance solutions and advice you can count on.

Our Insurance Solutions

Lebherz Insurance Agency, Inc. offers personal insurancebusiness insurance, medicare supplement insurance, and brewery insurance.






Lebherz Insurance Agency, Inc. + Erie Insurance

We offer Erie Insurance coverage at competitive rates.

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Lebherz Insurance Agency, Inc. + IAOA

Proud to be a member of the fastest growing association in the industry.

There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Our Frederick Office

We’re proud to serve clients throughout Frederick, MD and the surrounding areas.

401 W Patrick St
Frederick, MD 21701

Lebherz Insurance Agency, Inc. Client Portal

Manage your account with us quickly and easily!

Request a certificate, request an auto ID card, pay your bill, and more through our online portal
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Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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Frederick, MD Insurance
401 W Patrick St
Frederick, MD 21701

We’re proud to serve clients throughout Frederick, MD and the surrounding areas.
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