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2022 Small Business of the Year Award logo
Advocate Insurance Group has been named 2022 Small Business of Year by the Martinsburg - Berkeley County Chamber of Commerce!

Advocate Insurance Group - Insuring Martinsburg and All of West Virginia, Virginia, Maryland, and Pennsylvania

Not just your insurance agent, your advocate. That is our motto here at Advocate Insurance Group. I’m Michelle Cuthrell owner of Advocate Insurance Group. I understand there are lots of ways to buy insurance these days, but the best way to make sure you have the right coverage for your needs is through an independent ERIE Agent. At Advocate Insurance Group we help you determine the products and coverage needed to protect what’s yours. And we’re backed by a company known in the industry for its financial strength and superior service. Advocate Insurance Group offers Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life Insurance in Martinsburg and all of West Virginia.

Advocate Insurance Group Honored!

Advocate Insurance Group was awarded the 2014 Giving Network Agency of the Year Award for outstanding community service. The award recognizes independent Erie Insurance agencies that demonstrate exceptional commitment to the community through volunteerism. In honor of the agency’s efforts, Erie Insurance donated $2,500 to YoungLives of the Eastern Panhandle.

Martinsburg Insurance Agent

Advocate Insurance Group is incredibility grateful to be the recipient of the 2017 Main Street Martinsburg Business of the Year Award. We thank you for your support as we celebrate 10 years in business serving our community.

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Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know that your vehicle is getting the best protection possible.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

Life Insurance for Stay-at-Home Parents: Why Unpaid Work Has Real Financial Value

Posted: July 7, 2026

When families think about life insurance, the conversation often focuses on the household's primary income earner. But what about the parent who stays home to raise the children, manage the household, and care for the family? The work performed by a stay-at-home parent has real financial value—and if that parent were no longer around, the surviving family members might face significant costs to replace those...

Myths & Facts About Pumping Gas

Posted: July 5, 2026

For some reason, pumping gas tends to produce a lot of misconceptions. For instance, many people mistakenly believe that filling up in the morning at the day’s lowest temperature can put more gas in your tank. For the facts on this myth and others, continue reading. Facts and myths at a glance Don't smoke while pumping gas. Avoid distractions like texting while fueling. Stay outside...

Cyber Liability Insurance: Does Your Small Business Really Need It?

Posted: July 4, 2026

When most people think of cyberattacks, they picture large corporations making headline news after a major data breach. But the reality is that small businesses are frequent targets of cybercriminals—and often less prepared to handle the financial and operational fallout. Cyber liability insurance is designed to help businesses manage the costs associated with data breaches, ransomware attacks, and other cyber incidents. If your business stores...

Does Your Auto Insurance Cover Rideshare Driving? What You Need to Know

Posted: July 1, 2026

Rideshare driving has become a popular way for millions of Americans to earn extra income. Whether you drive for a transportation network company full time or just on weekends, it's important to understand how your auto insurance applies—and where it may fall short. Many drivers are surprised to learn that their personal auto insurance policy may not cover them while they're working on a rideshare...