Save Money & Stay Compliant
We help contractors and businesses save up to 50% on premiums while ensuring correct employee classification to avoid costly state fines.
Stop Overpaying for Workers’ Compensation
Are You Paying Too Much? Not all insurance agencies are created equal. At Luray & Associates, Inc., we specialize in Workers’ Compensation for the construction industry. By leveraging relationships with niche carriers that average agents can’t access, we often secure rates that are 50% lower than our competitors.
The Cost of Non-Compliance
Workers’ Compensation isn’t just a good idea—it’s the law. In Maryland, failure to carry coverage results in a staggering $5,000 fine PER employee. Don’t risk your business to save a few dollars; let us find you a policy that protects your budget and your license.
Who Needs Coverage? (The 1099 Myth)
Many business owners assume that 1099 workers don’t need coverage. This is often incorrect. The state looks at how they work, not just how you pay them. We help you distinguish between true subcontractors and employees to ensure you aren’t exposed to hidden liabilities. From a fall off a ladder to an office slip-and-fall, accidents happen. Our policies cover:
- Medical Expenses: Doctor visits, surgery, and rehab.
- Lost Wages: Income replacement while your employee recovers.
