Our Services

Products & Services

As a broker, we do not favor any insurance company over another, nor do we always recommend the least expensive policy.  Our presentation usually contains the top three companies for the insurance buyer, and we point out the pluses and minuses of all the programs, but leave the final decision to select coverage and insurance company to the discretion of the buyer.

Group Insurance Products


  • Health Insurance
  • Self Funded & Third Party Administrative Plans
  • Voluntary Employee Benefit Plans
  • Short and Long Term Disability Plans
  • Life Insurance
  • Long Term Care Insurance



Individual Insurance Products



  • Health Insurance
  • Long Term Disability Plans
  • Life Insurance
  • Long Term Care Insurance



Business Policies



  • Buy/Sell Coverage
  • Key Man Coverage
  • Business overhead expense coverage



Business Property Casualty Insurance Products



  • Business Office Packages
  • General Liability
  • Property Coverage
  • Professional Liability
  • Worker’s Compensation
  • Excess Liability (Umbrella)
  • Commercial Auto/Fleet Auto
  • Cyber Liability
  • Director’s and Officer’s
  • Bonds



Personal Property Casualty Insurance Products



  • Auto
  • Homeowner’s
  • Renter’s
  • Excess Liability
  • Boat/Recreational vehicles
  • Vacation Homes
  • Valuables/Scheduled personal property




Ruth Anne Sliviak is a registered representative with H. Beck, Inc. a broker-dealer located in Bethesda, Maryland.   By entering this website you acknowledge and agree that Ruth Sliviak of ICS-Insurance, Inc. is not (i) affiliated with H. Beck, Inc.; (ii)acting as your broker-dealer or investment advisor, or (iii) making any recommendations related to any trades or investment decisions.   Furthermore, you agree to hold the H. Beck, Inc. harmless and understand they will have no liability whatsoever for claims, losses, actions, damages, suits, or proceedings resulting therefrom.