About Us

Gaithersburg Insurance AgencyMcDaniel Insurance is an independent insurance agency located in Gaithersburg, Maryland. The agency was founded on April 1st 1964 by James F. McDaniel, who started his own Insurance Agency after having been in the Insurance Business for 9 years.

Jim’s goal was to provide Personal Insurance with the highest level of professionalism that he possibly could.

Married with four children and one on the way would seem like the least likely time to leave the comfort and security of his previous employment but knew that on his own, he could do better.

I was four when Dad made this leap of faith and my brother John was born that September. To say we were born into this business is an understatement. For the first many years, Dad worked from home and the ups and downs, good and bad that this industry offered was the source of most dinner time conversations.

Jim Sr. retired in 2004 after 50 years in this Insurance Business.

John and I have been in this business for more than 35 years and not much, if anything, has changed when it comes to our founding principles.

The Insurance Industry is a complex and difficult business to understand. So often these days people are only concerned with the Premium, “how much”, when in fact the Auto / Car Insurance, Home Insurance, Business / Commercial Insurance, and Life Insurance coverage that you purchase is much more important. We have strived to help our customers navigate that balance.

We look forward to the opportunity to help you as well.

An Independent Advantage

We are Independent Agents in Gaithersburg, Maryland, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. McDaniel Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.