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About Us

Josh Hykes is the principal agent and owner of A to Z Insurance Services, LLC. He has grown up in the tri-state area all of his life. He has been a resident of the Falling Waters/Hagerstown area since 2004. He graduated from Middletown High School in 1998 and then received his bachelor’s degree in Business Administration from Mount Saint Mary’s College (now Mount Saint Mary’s University) in 2002.

In May 2001, Josh decided to join his father’s insurance agency. Josh learned the insurance business from the ground up. Josh started out answering phones, filing, and doing the administrative work in the office. After a few months of doing administrative work in the agency, Josh received his property and casualty license to sell & service insurance in August 2001. Shortly thereafter, Josh also received his life and health license in February 2002. Josh became an associate agent, selling & servicing a range of products, specializing in commercial insurance, to clients located in Maryland, Pennsylvania, West Virginia, Virginia, & the District of Columbia.

After careful thought, lots of planning, and plenty of prayers, Josh decided to open his own independent agency as of May 1, 2010 in Williamsport, Maryland. Josh’s business philosophy aligns exactly with one of his main carriers, Erie Insurance. Erie’s founding principle states: “To provide our Policyholders with as near perfect protection, as near perfect service as is humanly possible, and to do so at the lowest possible cost.” Josh knows it will be a lot of work, but he enjoys helping people understand their insurance coverages, helping people select the insurance coverages and limits that are right for them, and most importantly, being an insurance advisor and not just an insurance salesman.

In Josh’s “free” time he enjoys hanging out with his family, playing golf, watching & rooting for the local professional sports teams, reading, and participating in his local church at Faith Christian Fellowship.

We here at A to Z Insurance Services, LLC appreciate the opportunity to earn your business and hope to establish a long-lasting relationship with you, your family, and your friends. Please know that you are more than just a policy or an account number to us. Top-notch, quality service is what you should expect and is what you will receive from our agency.

An Independent Advantage

We are Independent Agents, 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. A to Z Insurance Services 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, car insurance, home insurance or businessowner policy — 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, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.