Insurance Outfitters

Insurance Outfitters Founded March 3, 1989, Insurance Outfitters® is award-winning and family-owned, independent insuran Our goal is to write insurance in all 50 states.
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Due to extensive online advertising, the unique & distinctive name, Insurance Outfitters®, is widely recognized by the general public in the United States. Today, we write insurance in the District of Columbia, Maryland, North Carolina, Pennsylvania, Tennessee, Virginia, and West Virginia. Since its founding on March 3, 1989, this award-winning, family-owned, independent insurance agency has grown

from a one-person operation to a team of motivated, high achievers committed to delivering innovative and tailored risk management solutions from Shepherdstown, West Virginia, to protect individuals, organizations and businesses. Our founder & CFO, Tom Maiden, is a Captain (select) in the Navy Reserve, an Iraq war veteran, a CERTIFIED FINANCIAL PLANNER™ practitioner, and Chartered Life Underwriter®, specializing in risk management & insurance planning. He has a Master of Business Administration degree from West Virginia University and over 32 years of experience. Co-owner, Michele Ours Maiden, joined the family business after serving 23 years in management with Pfizer, one of the world's premier innovative biopharmaceutical companies. She has a Master of Business Administration degree from Loyola University Maryland. When local consumers have a risk management or insurance planning related question, their friends and neighbors will answer, “Ask Insurance Outfitters®!”

Insurance Outfitters® is committed to building safer, greener, better educated, diversified, and inclusive communities where we serve. Our intent is to be a good corporate citizen. The annual Insurance Outfitters® Guide Awards are scheduled around our anniversary, March 3rd, every year. The Insurance Outfitters® Guide Awards was developed to thank those people and organizations who may not make the front page news, but who change the world around us for the better in the following categories:
1. Conservation and Outdoor Recreation
2. Health and Human Services
3. Education
4. Culture and the Arts

Insurance Outfitters® has built a reputation for being honest, ethical, genuine, energetic, and reliable. All of the guides at Insurance Outfitters® are committed to delivering exceptional customer experiences, individualized service, and a deeper appreciation of what “locally inspired” means. As a matter of fact, our tagline is, Locally Inspired Insurance®.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/04/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP). The Medicare AEP runs from October 15th...
08/26/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP). The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

The AEP is your yearly opportunity to review your Medicare coverage and make changes for the next plan year. A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

Whether your student is just starting college or already well into their academic career, insurance is an area worth rev...
08/20/2026

Whether your student is just starting college or already well into their academic career, insurance is an area worth revisiting periodically to ensure they have the right coverage in place.

With the start of the school year approaching, we wanted to take a moment to share a few key coverages to review before students head back to school. Swipe for more information.

Taking time to review these key coverages ahead of back-to-school can help give you and your student peace of mind. Our team is here to help review your current coverage and talk through additional policies and riders where it makes sense. Give us a call today, and we can get started.

From ransomware and phishing to vendor outages, cyber incidents are now among the most common causes of business disrupt...
08/18/2026

From ransomware and phishing to vendor outages, cyber incidents are now among the most common causes of business disruption. The impact can extend well beyond IT, affecting operations, revenue, and reputation. Recent data shows billions of dollars in reported cyber losses each year, with some individual incidents costing millions.

Swipe for a brief overview of how cyber insurance can help protect your business against this threat.

If you’re not sure how your current coverage would respond to a cyber event, now is a great time to review it. Our team is happy to help you walk through your options and make sure your business is properly protected.

If your business provides services or advice to clients, professional liability insurance, also known as errors and omis...
08/11/2026

If your business provides services or advice to clients, professional liability insurance, also known as errors and omissions insurance, is one of the most important coverages you can carry. Swipe through for a quick overview of what this coverage is, which businesses need it, and why it matters.

If you have questions about your professional liability coverage, reach out to us today. We are here to help you stay covered and protected.

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new...
08/05/2026

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new primary care doctor, a specialist, or want to compare facilities, Medicare’s Care Compare tool helps put trusted information at your fingertips.

Swipe through for a quick guide on how it works. And remember, if you ever need help navigating your coverage, our team is here to assist.

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most...
08/04/2026

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most common questions people have when exploring life insurance for the first time. Swipe for a quick breakdown to help you understand how the two compare.

The right choice depends on your budget, your goals, and what you need your life insurance to do for your family. Have questions? Give us a call, and we are happy to help you find the right fit.

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadl...
07/23/2026

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, reach out. We’re here to walk with you through your Medicare questions, step by step.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Growth is a good sign for any business, but it can quietly create gaps in your insurance coverage if your policy has not...
07/09/2026

Growth is a good sign for any business, but it can quietly create gaps in your insurance coverage if your policy has not kept up with the changes.

Two areas that can often get overlooked are new equipment purchases and larger contracts.

If your business has invested in new machinery, tools, or technology, those assets may not be reflected in your current property limits. And if you have taken on bigger clients or contracts this year, there may be liability requirements or additional insured endorsements that your existing policy does not already include.

These gaps are worth catching before a loss or a contract dispute brings them to the surface. Give us a call, and we are happy to review your current coverage.

Address

7866 Martinsburg Pike
Shepherdstown, WV
25443

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13048760822

Website

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