At  North Central Insurance Agency we are about building relationships.

  • Our companies: As a “Trusted Choice” agency we offer insurance products from a wide variety of insurance companies. We have selected the top insurance companies who share our values of quality, stability, and reasonable pricing. We have relationships with many of these companies that span more than 25 years. 

  • Our Staff: All of our staff lives in here in the “Hereford Zone” of northern Baltimore County. Our staff is knowledgeable, reliable, understanding and eager to help. The members of our team have been with us a number of years. Chrissy has been with us for eight years and Terri and Shawanda six years each.

  • Our Clients: No relationship is more important to us than the relationship we have with our customers. We serve our clients insurance needs on a personal level, something you can’t achieve from a call center or website where you have to do the work yourself. Our customer retention rates are among the highest in the industry. Many of our customers have been with us since their first policy and we believe it has everything to do with just how highly we value each and every relationship we have made throughout the years.



Our Founder Gene Cavey retired from the Maryland Casualty Insurance Company in 1984 to pursue his lifelong dream of owning his own independent insurance agency. Along with son David, they searched for a location near there northern Baltimore County Home. In January of 1985, they opened North Central Insurance Agency renting a location on York Road in Hereford Maryland. Over the next few years, the agency quickly grew. Several insurance agencies were added to the North Central family including, Donahue–Brauner, Fallston Insurance agency, King Insurance agency, and the Planned Insurance agency. In 1996 the agency moved to its current Hereford location adjacent to Interstate 83 and purchased the property in 2002.

Gene and David Cavey brought together the companies and staff needed to remain successful for over 26 years. The key has been the high level of service and understanding given to each of our clients. North Central boasts some of the highest customer retention rates in the industry. In 2009 Gene Cavey passed away but his vision has remained steadfast. North Central Insurance Agency provides their clients with a “Relationship you can Trust.”

David is owner and principal at North Central Insurance agency. David and his father started North Central Insurance Agency in 1985. He has been serving the insurance needs of his clients ever since. Living his entire life in the “Hereford Zone” David is very active in the community and serves on the boards of Grace United Methodist Church, Herford Parade, Hereford Zone business association, which he is a past president and the Hereford Junior Farm Fair where he serves as president. He has been married to his wife Kym for more than 25 years and has 3 children. David and his family also owned Hereford Sports and Justchillin Snowballs. All three businesses are located in Hereford.

Hannah Callihan joined the agency in 2013.