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Earning Trust Since 1967 – 55 Years in business

Your insurance agency in the Baltimore-Washington Metro Area.

Specializing in Home InsuranceAuto InsuranceLife InsuranceGeneral Liability Insurance and Workers’ Compensation Insurance in Washington, DC and surrounding areas.

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Personal Insurance

Insurance tailored to fit your life.

Business Insurance

Comprehensive coverage for your business.

Employee Benefits

Attract, retain and protect your team.

Insurance in Washington, DC and surrounding areas.

Joseph W. McCartin Insurance, Inc. has been providing insurance solutions and delivering award-winning service since 1967, when we first opened our doors. As one of the largest independent insurance agencies in the Washington, DC area, we’ve built our business creating innovative solutions to even the toughest risk management challenges.

Here at Joseph W. McCartin Insurance, Inc., we believe our clients deserve expert advice and personal attention from a trusted partner. That’s why we go above and beyond to deliver unbeatable service and value, helping you make smart decisions to protect you from the unexpected.

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Our purpose is to earn your trust

Our Core Values

Do what you say and be accountable

Constant improvement

Commitment to best results

Take care of the team

Do the right thing, always


We strive to uphold Erie Insurance’s long-standing commitment to service.

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Joseph W. McCartin Insurance, Inc.

What We Specialize In

Home Insurance

General Liability Insurance

Auto Insurance

Workers Compensation Insurance

Life Insurance

Clickable Coverage

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.
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

The Latest Articles

How Much Does Life Insurance Cost?

| Life Insurance, Term Life Insurance, Whole Life Insurance | No Comments
It’s a universal fact: everyone needs life insurance. Whether you’re a student, parent (single or married) or empty nester, life insurance can help protect the life you’ve built for yourself (or a future, if you purchase life insurance for a child). So, what’s preventing you from getting a policy today?Life Insurance Cost

What is General Liability Insurance?

| Business Insurance, Liability Insurance, Small Business | No Comments
One of the most effective ways to protect your business from potential financial loss is with general liability insurance. Let’s explore how this kind of coverage helps keep small business owners confidently on track to success.Commercial General Liability

Fourth of July Safety Tips

| Home Insurance, Insurance Tips, safety tips | No Comments
July 4th means family picnics, being outside and enjoying a fireworks display. We’ve rounded up all the best Independence Day tips and information to prep you for the upcoming holiday weekend.Fourth of July Safety Tips