Ryan A. Hempel, Owner & Agent
Prior to founding RAH Insurance, Ryan worked in the insurance industry for 15 years. Building upon that valuable foundation, Ryan chose to form RAH Insurance is an independent agency for the flexibility to serve client needs more individually. Insurance works best when it reflects real life, not generic checkboxes.
As an independent agency, RAH Insurance has access to a range of national and regional insurance companies through network relationships to compare multiple options amongst well-recognized carriers and will tailor your coverage structure for you - built around actual risks and your goals without pressure or shortcuts. Based in Ellicott City, RAH Insurance serves all of Maryland.
A Maryland native, Ryan earned his Bachelor's in Marketing Management from Virginia Tech. When he is not working, he enjoys golfing, cheering on the Orioles and Ravens, and chasing his two young children with his wife, Erin, and their two pups, Reggie and Tucker.
Personal Coverage
Home
Assess accurate replacement cost to rebuild from real details like updates, additions, basements, materials, distances to hydrants, roof age, and more.
Umbrella
High-limit liability built correctly around home and auto policies. If a boat or other exposure affects pricing, that’s addressed up front.
Flood
Most flood claims happen outside FEMA zones. Private-market options through Argenia offer stronger coverage, higher limits, and better basement considerations.
Auto
Smart protection with proper liability limits, correct garaging, and personalized endorsements.
Life
We will find the right Term or Whole Life policy to support your beneficiaries at the level that makes sense to you.
Jewelry
Business Coverage
Small Business
Liability, property, BOPs, cyber, EPLI, and more.
Contractors & Trades
Coverage for job-site risks: roofers, electricians, HVAC, landscapers, subcontractors.
Commercial Auto
Accurate classification, proper limits, and clean placement for business vehicles.
Specialty Solutions
Inland marine, tools, equipment coverage, and other tailored options available
Business Coverage Options
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Review Your Current Policies
Before quoting anything, I start with a detailed review of your declarations pages. -
Quote the Right Markets
Through established networks, I access respected national and regional carriers to match each client’s needs. -
Straightforward Options
Recommendations are based on goals and real risks without pressure.
Philosophy
Our Core Values
This agency carries my name, Ryan A. Hempel, but the meaning goes deeper. RAH Insurance was built as a legacy for my family — something real and lasting to pass on to my children one day.
When your business carries your family name, you slow down, get the details right, and take care of people the right way. This isn’t just a business; it’s a long-term commitment to my family and the families I serve.
Contact
Get in Touch
Whether you're looking for personal, business, or specialty solutions,
let's explore what insurance will best serve your goals