Earning Trust Since 1967 – 50 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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Joseph W. McCartin Insurance, Inc.

What We Specialize In

Home Insurance

General Liability Insurance

Auto Insurance

Workers Compensation Insurance

Life Insurance

What Our Clients Say

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 is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could 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 widow or widower 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 and car(s).

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

The average funeral costs about $10,000. That high price is for standard things, not 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 benefits.


Life insurance can help support a surviving spouse during his or her 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. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

The Latest Articles

6 Things You Didn’t Know Your ERIE Auto Policy Could Cover

| Auto Insurance, Insurance | No Comments
\ Please read below about the “xtras” in your Erie auto policy that you probably don’t know about. Call us to discuss your coverage needs or to schedule a client review. We are here to help! (more…)

Buying Life Insurance for the First Time? Then Read These 8 Tips

| Insurance, Life Insurance, Personal Insurance | No Comments
Do you need life insurance but don’t know where to start? Read below for 8 tips on buying life insurance.  Our life agent, Tracy Lyn Claggett, is here to walk you through the process and explain how you can qualify for a discount on your Erie home and auto policies by obtaining a life insurance policy with them. (more…)

12 Creative Ways to Support Your Local Businesses Right Now

| Personal Insurance | No Comments
Joseph W. McCartin Insurance, Inc. helps many local businesses with their insurance needs; we support them at every opportunity. Please read below for ways you can help too. (more…)