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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.

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Recent News & Updates

Do I Need Insurance for Undeveloped Property?

If you own undeveloped property, does it need to be protected with a separate insurance policy? The personal insurance section of your homeowners policy may cover vacant land up to a specific limit. If a lawsuit is filed against you for personal injury on the property, the policy limit may be too low. Personal insurance can be purchased separately or is one section of your...

The Importance of Reviewing Your Life Insurance Policy

You have likely already completed the hard part – putting a life insurance policy in place. However, it’s imperative you review your policy (or policies) at least once a year. The review will protect you from paying more than you need to, allow you to increase your coverage, or convert a term life insurance policy to a whole life insurance policy.  Why Review Your Life...

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

What Is An Umbrella Policy?

I’m a safe driver. I don’t do risky things. Someone I know would never sue me. When it comes to truly terrible events, many people have the “it can’t happen to me” mentality. However, by simply driving a car, owning a home, or entertaining friends, the possibility exists that a tragic accident could occur… and potentially, a costly lawsuit. Many people mistakenly believe that only...