Luray Insurance Agency

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Luray Insurance Agency [email protected] Specializing in Habitational, Builder's Risk, and Worker's Comp Insurance

Would your dealership’s cyber policy respond after phishing exposes finance records?Many dealers treat digital security ...
10/15/2026

Would your dealership’s cyber policy respond after phishing exposes finance records?

Many dealers treat digital security as an IT issue. But one compromised email can lead to customer notification costs, business interruption, reputational harm, and coverage gaps between a standard commercial policy and true cyber liability protection. In 2026, your dealership’s data and reputation need coverage designed for the risks you actually face.

Call us today at 410-602-2636 to see how much you can save.

Visit https://lurayinsurance.com to learn more about our insurance products.

“Your wind deductible is the same as your regular deductible.” Prove me wrong.We see this mistake after storms in Maryla...
10/13/2026

“Your wind deductible is the same as your regular deductible.” Prove me wrong.

We see this mistake after storms in Maryland, PA, VA, DC, and WV: a homeowner or investor files a claim expecting their usual deductible—then the policy points to a separate wind/hurricane deductible. And it’s often higher. Not because they “did something wrong.” Because the wording is different.

Read your declarations page. Search for “wind,” “hurricane,” or “tropical storm” and confirm whether it’s a separate deductible and how it’s calculated. If you’re not sure what you’re looking at, we’ll help you sanity-check it before the next forecast turns ugly.

Call us today at 410-602-2636 to see how much you can save

Visit lurayinsurance.com to learn more about our insurance products: https://lurayinsurance.com/

If you’re a Maryland auto dealer using online financing, one compromised login can put more than customer records at ris...
10/10/2026

If you’re a Maryland auto dealer using online financing, one compromised login can put more than customer records at risk.

Fraudulent payments, customer notification costs, credit monitoring, and data or hardware recovery can follow a cyber incident. Your coverage may address data breaches, but does it cover social-engineering fraud?

Save this tip: ask your insurance professional that question before a suspicious payment or stolen login forces the issue.

Call us today at 410-602-2636 to see how much you can save

Hurricane season is here—and that “regular deductible” might not be the one that matters.In many policies, the wind dedu...
10/08/2026

Hurricane season is here—and that “regular deductible” might not be the one that matters.

In many policies, the wind deductible is separate. It can be higher than your usual deductible, and it applies when the damage is treated as wind/hurricane-related.

Before the next storm rolls in, we recommend a quick policy check:
• Find your wind/hurricane deductible wording
• Confirm how it’s calculated (and when it applies)
• If you’re unsure, ask for a policy review so there are no surprises at claim time

Call us today at 410-602-2636 to see how much you can save

Visit https://lurayinsurance.com/ to learn more about our insurance products

Protecting your workforce is a priority. 🩹 Maryland auto dealers and small businesses can rely on Luray & Associates for...
10/05/2026

Protecting your workforce is a priority. 🩹 Maryland auto dealers and small businesses can rely on Luray & Associates for expert guidance on worker’s compensation insurance. We help ensure compliance while focusing on cost-reduction for your business. Visit our website to learn more about our insurance products.

Attention Maryland auto dealers and wholesalers! 🚗 Garage liability insurance is critical for protecting your business a...
10/02/2026

Attention Maryland auto dealers and wholesalers! 🚗 Garage liability insurance is critical for protecting your business against unforeseen risks. Luray & Associates understands the specialized needs of dealership operations and provides tailored solutions that keep you covered. Call us today at 410-602-2636 to see how much you can save.

Stop insuring rehab sites like homes.A vacant property under renovation can hold tools, appliances, fixtures, and buildi...
09/30/2026

Stop insuring rehab sites like homes.

A vacant property under renovation can hold tools, appliances, fixtures, and building materials before anyone moves in. If you rely on a standard homeowners or basic commercial policy, the coverage may not match the project’s construction stage, changing occupancy, or theft exposure. One break-in can turn your expected profit into an out-of-pocket loss. We help rehabbers and wholesalers review coverage around what is actually on-site and how the property is being used.

Call us today at 410-602-2636 to see how much you can save

Think your homeowners insurance covers flooding? Think again.Standard policies often leave out flood damage, leaving you...
09/29/2026

Think your homeowners insurance covers flooding? Think again.

Standard policies often leave out flood damage, leaving you at risk.

Flood insurance from Luray & Associates covers what matters—your home and belongings—with plans tailored for Maryland’s unique risks.

Don’t wait for the next storm to find out the hard way.

How protected do you feel against flooding? Let’s talk. 💧🏠

How we find insurance savings before recommending coverage:We review the property, vehicles, business operations, claims...
09/26/2026

How we find insurance savings before recommending coverage:

We review the property, vehicles, business operations, claims history, and coverage gaps line by line. Then we compare practical changes that may lower the premium without leaving you exposed.

That daily, local review is what cost-reduction advocacy looks like. We are not here to push a policy that simply checks a box. We are here to help Maryland families, business owners, and investors pay for the protection they need, without paying for coverage that does not fit.

Call us today at 410-602-2636 to see how much you can save.

Visit https://lurayinsurance.com to learn more about our insurance products.

The claim arrives before the coverage gap does. ⚠️A changed employee role, updated payroll, or part-time hire can leave ...
09/22/2026

The claim arrives before the coverage gap does. ⚠️

A changed employee role, updated payroll, or part-time hire can leave a dealership’s workers’ compensation coverage behind. The problem may stay invisible until an employee gets hurt, when compliance concerns, unexpected costs, and denied coverage can become part of the same conversation.

Dealerships need workers’ compensation coverage that reflects how the business operates today, not how it looked when the policy was written. A policy review can help identify avoidable gaps before an injury puts them under pressure.

Call us today at 410-602-2636 to see how much you can save

Address

66 Painters Mill Road, Suite 112
Owings Mills, MD
21117

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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