Ryan A. Hempel, Owner & Agent
Prior to founding RAH Insurance, Ryan spent 15 years in the insurance industry building experience across both personal and business insurance. He formed RAH Insurance as an independent agency to better serve clients with thoughtful, individualized guidance - not generic checkboxes.
As an independent agency, RAH Insurance works with a range of respected national and regional carriers, allowing coverage to be tailored around real risks, real goals, and long-term planning - without pressure or shortcuts. Based in Ellicott City, RAH Insurance serves families and small business owners throughout Maryland.
A Maryland native, Ryan earned his Bachelor's degree in Marketing Management from Virginia Tech. Outside of work, he enjoys golfing, cheering on the Orioles and Ravens, and spending time with his wife Erin, their two children, and their dogs 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
Coverage designed for real-world operations — from single-owner LLCs to growing teams.
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