Business Details
Your Trusted Insurance Partner in Owings Mills, MD
Luray & Associates has been a trusted provider of comprehensive insurance solutions since 2016, specializing in hard-to-place coverage for attorneys, auto dealerships, and real estate professionals. Our team brings decades of combined experience in navigating complex insurance needs, offering tailored policies that protect businesses and individuals across Maryland and surrounding states. We prioritize personalized service, leveraging deep industry knowledge to deliver customized risk management strategies that align with each client's unique circumstances.Our commitment to transparency ensures clients receive clear explanations of coverage options, while our focus on innovation keeps policies aligned with evolving threats like cybercrime. With a proven track record in commercial, residential, and specialty insurance sectors, we maintain strong relationships with multiple carriers to secure competitive rates without compromising on protection quality.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Flood Insurance
Builders Risk Insurance
Cyber Crime Insurance
Rental Property Insurance
Professional Liability Insurance
Workers Compensation
Highlights and features
- We specialize in hard-to-insure cases for attorneys and auto dealerships
- Our team maintains A+ ratings with major insurance carriers
- We offer customized coverage options for unique risk profiles
- We provide 24/7 claims support for emergency situations
- Our agency holds licenses in MD, DC, VA, PA, and WV
Services
Auto Insurance
Our auto insurance policies protect Maryland drivers with comprehensive coverage options including liability, collision, and uninsured motorist protection. We offer specialized programs for new and used car dealerships, including garage liability and open lot coverage. Our experienced agents help clients navigate state requirements while securing competitive rates tailored to individual driving profiles and vehicle types.
Commercial Insurance
We provide customized commercial insurance packages for Mid-Atlantic businesses, including property protection, liability coverage, and business interruption insurance. Our expertise extends to specialized sectors like auto dealerships, real estate, and professional services, with options for directors & officers liability and cyber risk management. Policies are designed to protect both physical assets and operational continuity.
Flood Insurance
Our flood insurance solutions address Maryland's unique water-related risks, covering both residential and commercial properties. We offer policies that protect against surface water, storm surge, and sewer backup damage, with customizable limits based on property value and location. Our agents help clients understand FEMA requirements and secure appropriate coverage through the National Flood Insurance Program and private carriers.
Builders Risk Insurance
We specialize in builders risk policies for residential and commercial construction projects across the Mid-Atlantic region. Our coverage protects against theft, vandalism, and weather-related damage during construction phases, with flexible terms for 3-6 month periods. Policies include liability protection and can be tailored for rehab projects, new developments, and vacant properties.
Cyber Insurance
Our cyber insurance policies protect Maryland businesses from digital threats through comprehensive coverage for data breaches, ransomware attacks, and network security failures. We offer protection for business interruption losses, client notification costs, and credit monitoring services. Our agents work with clients to develop risk management strategies that include both preventive measures and incident response planning.
People
Steve Luray
Owner
Steve Luray brings 25+ years of insurance industry experience to Luray & Associates, specializing in commercial risk management and specialty insurance products. He holds active licenses in five Mid-Atlantic states and maintains strong relationships with major insurance carriers to secure optimal coverage for clients.
Questions
What types of insurance do you specialize in?
We specialize in auto, home, commercial, and specialty insurance products including cyber liability, builders risk, and professional liability coverage for attorneys and title companies.
Do you offer insurance for hard-to-place risks?
Yes, we specialize in coverage for hard-to-insure cases including censured attorneys, auto dealerships, and properties with unique risk profiles.
Are you licensed in states outside Maryland?
We maintain active licenses in Maryland, Washington D.C., Virginia, Pennsylvania, and West Virginia to serve clients across the Mid-Atlantic region.
Do you offer short-term insurance policies?
Yes, we provide builders risk and vacant property insurance policies with terms as short as three months to accommodate construction timelines.
How can I get a quote?
Contact us at 410-602-2636 or visit our Owings Mills office to receive a personalized insurance quote tailored to your specific needs.
