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Matt & Curt Cramer
Matt & Curt Cramer, Owners

Pennsylvania Independent Insurance Agency

Auto / Car Insurance, Home Insurance, and Business / Commercial Insurance for Shippensburg and All of Pennsylvania

Carl L. Cramer Insurance LLC has been servicing the insurance needs of individuals within Pennsylvania and Maryland since 1956. Located in Shippensburg, our insurance agency has grown into a “one-stop-shop” for a variety of insurance products, including home insurance, auto/car insurance, business/commercial insurance, and life insurance.

The agency focus is on client needs and prides itself on servicing those needs. We are fortunate to work with clients in Shippensburg, Newburg, Chambersburg, Carlisle, Hagerstown, and surrounding areas.

Thank you for taking the time to visit our website. Whether an existing client or a possible future client, we hope you find the site informative and educational.

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
Click here to get an auto insurance quote with Erie Insurance "ERIE Auto Insurance Quote" (opens in new tab)
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Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)

Pennsylvania Insurance Quotes

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Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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ERIE's YourTurn® Program

There is a new way Erie Insurance is looking out for you and wants to help you stay safe on the road.
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Recent News & Updates

A Guide to Gifting Loved Ones with Life Insurance

Posted: December 7, 2024

Can you give life insurance as a gift? Yes! It is a meaningful and touching way to show how much you care. Here are a few quick things to know about purchasing life insurance as a gift this holiday season. Why Life Insurance Can Be the Perfect Gift Gifts are a joy to give and receive, but giving a life insurance policy can be surprisingly...

What to Know About Workers’ Compensation and Working from Home

Posted: December 6, 2024

Are you one of the many businesses that has taken on a remote or hybrid working model? Working from home has pros and cons, but it also raises serious questions like what would happen if an employee becomes injured while performing work at home. Workers' compensation (often shortened to workers’ comp) laws and requirements vary by state, but generally, any business that has employees must have workers’...

How to Avoid Hitting a Deer

Posted: December 5, 2024

Autumn is beautiful, but it also introduces some fall driving hazards… deer collisions being one of them. From October to December, mating and hunting season make deer go on the move. For drivers, that means you’re more likely to hit one. According to a 2022 study published in the journal Current Biology, about 2.1 million deer-vehicle collisions happen in the U.S. each year, causing more...

Winter Weather Preparedness for Small Businesses

Posted: December 4, 2024

Winter weather can take a heavy toll on small businesses. The risks posed by storms, slippery walkways, and power outages can lead to financial losses. Taking steps to prepare your company and employees for the winter season can minimize business disruptions and claims filed for slip-and-fall accidents.  The best overall advice is to be proactive. Evaluate any risks on the property to determine where problems...