Business Details
30 Years
experience
Your Local Insurance Experts in Owings Mills
Established two decades ago by Steve Luray, our agency combines extensive insurance expertise with a commitment to personalized service. We specialize in multi-line insurance solutions for both personal and commercial clients, including auto, home, rental properties, and workers compensation coverage. Our team leverages deep local market knowledge and partnerships with multiple carriers to deliver tailored protection strategies.With specialized programs for real estate investors, auto dealerships, and contractors, we focus on risk management solutions that align with clients' unique needs. Our community involvement through local sports leagues and charitable initiatives reflects our dedication to the neighborhoods we serve.
Services
Auto Insurance
Homeowners Insurance
Commercial Auto Insurance
Workers Compensation
Flood Insurance
Rental Property Insurance
Builders Risk Insurance
Umbrella Policies
Details
- Year established: 1996
Highlights and features
- We offer 20 years of experience in Maryland insurance markets
- Our team specializes in commercial risk management for contractors
- We provide tailored insurance solutions for real estate investors
- Our agency maintains multiple carrier partnerships for competitive rates
- We offer specialized coverage for auto dealerships and wholesalers
Services
Workers Compensation Insurance
Specialized workers compensation coverage for Maryland contractors and businesses. Our agency secures competitive rates through multiple carrier options while ensuring compliance with state requirements. We help businesses manage payroll costs and reduce risk exposure through tailored policy solutions that cover medical expenses and lost wages for employee injuries.
Commercial Auto Insurance
Comprehensive commercial vehicle coverage for businesses in Maryland and surrounding states. Our policies protect company-owned or leased vehicles against liability, collision, and property damage. We specialize in customized solutions for businesses with fleets, including coverage for employee drivers and third-party liability protection.
Rental Property Insurance
Tailored insurance solutions for property investors covering single-family homes, multi-unit buildings, and commercial properties. Our policies protect against structural damage, liability claims, and rental income loss. We offer specialized coverage options for rehabbers and property wholesalers in Maryland's real estate market.
Auto Dealer Insurance
Complete insurance packages for auto dealerships including garage liability, open lot coverage, and workers compensation. Our agency provides bonding services and customized policies that protect vehicle inventory and dealership operations while meeting Maryland licensing requirements for automotive businesses.
Homeowners Insurance
Personalized home insurance policies protecting Maryland residents' primary residences. Our coverage options include structural protection, personal property coverage, and liability insurance. We offer replacement cost policies and flood insurance options to ensure comprehensive protection against common risks facing homeowners in the region.
People
Steve Luray
Owner
With 20 years of insurance industry experience, Steve Luray founded the agency after transitioning from banking and accounting. He specializes in commercial risk management and actively participates in local community initiatives including youth sports programs and food drives.
Questions
What types of insurance do you offer?
We provide auto, home, renters, commercial, workers compensation, flood, and specialty insurance products for Maryland residents and businesses.
Do you serve areas outside Maryland?
Yes, we offer insurance services in Washington D.C., Virginia, Pennsylvania, and West Virginia in addition to Maryland.
Are you open on weekends?
Our office is open Saturday mornings from 10:30 AM to 1:00 PM in addition to regular weekday hours.
How can I get a quote?
Request a free quote through our website or call us directly at 410-602-2636 to speak with an insurance specialist.
Do you specialize in commercial insurance?
Yes, we offer specialized commercial insurance solutions including workers compensation, builders risk, and rental property coverage for Maryland businesses.
Can you help with insurance for older homes?
We provide customized homeowners insurance options for older properties, including modified replacement cost policies that meet specific needs.
