The W. & L. Howland Insurance Agency, Inc. was founded in 1936 by Waldo and Llewellyn Howland the complement their growing boatyard, Concordia Company. Since that time we have been a marine Only Independent Insurance Agency providing our clients with knowledgeable, personal and Marine Insurance Business. We write agreed Value policies with Arated companies and have agency underwriting authority. We are an independent insurance agency we do not work for a company we work for you.