Welcome to All Covered Insurance, a full service independent insurance agency operating in the mid-Atlantic region. We specialize in both personal and commercial risk management. Providing exceptional customer service  backed with excellent claims acumen, allows us to achieve our mission of creating a world class insurance operation. We have an understanding of both personal and business life cycles and are prepared to meet the challenges of our clients’ needs by providing custom insurance solutions. Our business is built on our ability to protect the one asset that can’t be replaced, peace of mind.

Steven Jay Heller, Founder/Principal Partner

Principal Broker/OwnerSteven established  RMS LLC in January  of 2009.  In August of 2013 Heller Kowitz Insurance Advisors was formed. With over 18 years insurance industry experience, Steven is considered by many to provide exceptional service backed  by fifteen top rated national insurance carriers.  “Our core principal beliefs are grounded on our ability to educate consumers on the importance of   implementing sound competitive coverage strategies”.  The  insurance procurement process should be one which encompasses both coverage and price. “Often times consumers are heavily influenced by price because coverage is either ignored or improperly explained by agents and or direct distribution channels. “Our goal simply stated is to  provide our clients  with budget sensitive custom coverage solutions.”  Anyone who knows Steve can testify to his passion and enthusiasm towards helping people. “I admit I’m in the minority who are excited about insurance coverage. It’s important to find a  good agent who has integrity, detailed, and fun to work with.”

Steve resides in Reisterstown Maryland with his wife Kyra. He enjoys the outdoors, playing music, going to concerts, and reading motivational books.

Brian Kowitz, General Partner

IMG_1898_0Brian Kowitz  joined Heller Kowitz Insurance Advisors  in June of 2013, specializing in high net worth clients, particularly professional athletes. As a former professional baseball player for the Atlanta Braves, Detroit Tigers, and the Toronto Blue Jays from 1990 to 1996, Brian has built a strong relationship and network across the country with professional sports agents, top sports executives, current and past professional athletes, as well as many business owners, business professionals, doctors, and attorneys He focuses on various life, disability, long term care, and loss of value insurance.

Brian attended Jemicy in 1982 before graduating Boys’ Latin High School in 1987, where he participated in Football, Basketball, and Baseball. He was then awarded a scholarship to play baseball for Clemson University where he won an ACC Championship in 1989, earned All ACC and Academic All American honors as a sophomore, and an ACC Player of the Year award in 1990 as well as All American honors. Brian was drafted by the Atlanta Braves in 1990 and earned a World Series ring in 1995.

He is a licensed life and health and property and casualty insurance agent. He is active in his children’s school and local community, coaches his children’s baseball, softball, and basketball teams, and is a member of the Major League Baseball Alumni Association and Clemson Alumni Association. Brian also supports several local charities. He is also very active in supporting the Dyslexic community as 2 of his 3 children attend Jemicy currently.

Please take some time to review our web-site.  We have taken a different approach to providing up to date information to assist in making informed decisions regarding your own insurance protection. If you are interested in speaking with one of our licensed risk managers, simply use the “Request A Quote Proposal” link or contact our free free to contact 410-526-6690.