- Auto InsuranceAuto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident...
- Boat InsuranceIf you own a boat, you probably think about spending long afternoons out on the water. Boat insurance is probably the furthest thing from your mind. But boats need insurance, too. Just like cars and homes, boats can be damaged or cause injury or damage to people or property.
- RV InsuranceRV owners often hesitate to buy RV insurance for their personal property because they think that the personal property in their RV will be covered under their homeowners‘ policy. This is true, but again, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply.
- Renters InsuranceIf you rent your home, your landlord is responsible for insuring the building, but not for insuring your personal belongings. If you think about it, the cost to replace your clothing, furniture, stereo, pots and pans, linens, sporting goods and computer could be a lot of money. Sometimes called apartment insurance, renters insurance covers your possessions from damage and theft. It also protects you if you’re held legally responsible for the injuries to another person while in and around your home. Renters insurance costs less than you think. It’s easy to protect yourself and your belongings for just a few dollars a month.
- Home InsuranceProtect your house — and your possessions — with home insurance through Moran Insurance. For homeowners, insurance protection is an important piece of homeownership. Buying home insurance means buying protection for your home — both inside and out.
- Condo InsuranceAt Moran Insurance we offer home insurance, condo insurance and renters insurance to new and existing clients with the most competitive insurance companies with some of the best coverages in the industry.
- Life InsuranceWhether you die too soon or live too long, life insurance is the foundation when planning for your family’s financial security. Life insurance allows families to remain secure and allows you to keep your future promises...today, should you or your spouse die prematurely.
- Health InsuranceDefinitions. The following words and phrases shall have the meanings given to them, unless the context clearly indicates otherwise: “Agency”: The Moran Group, LLC 696 Ritchie Highway Severna Park, Md 21146 “Agreement”: This Consent to Receive Electronic Records form. “Insurer”: An insurance company issuing a Policy and bearing the risk. “Policy”: A contract of insurance purchased through Agency between an Insurer and (...Name of Client(s)/Insured(s)...). “Records”: Any and all disclosures, declarations, contracts, Policy forms, certificates and/or documents, information, requests, applications, communications, and/or notices required by Federal Law, including, but not limited to, any adverse action notices or privacy policy notices. “You”: (...Name and complete mailing address of Client(s)/Insured(s)...). Introduction. From time to time, the Agency may, whether on its own behalf, and/or on behalf of an Insurer and/or third parties, utilize the Internet, e-mail, digital media or the like to transmit Records and/or related information to policyholders. This Agreement informs You of your rights when conducting these transactions electronically with this Agency, an Insurer, and/or those third parties from whom we may receive and/or transmit your Records. Hardware and software requirements. Before agreeing to receive Records electronically, You must determine if You have the necessary hardware and software to access and retain these Records electronically. To access your Records, You will need an electronic mailing address, Adobe Acrobat Reader, and a personal computer or other device which is capable of accessing the Internet. To retain your Records, your access device must have the ability to download to your hard drive, or any external media storage, or to print the Records, as well as embedded HTML files. If, after You have consented to the terms and conditions of this Agreement, a change in the hardware or software requirements needed to access electronic Records creates a material risk that You will not be able to access or retain subsequent electronic Records which are the subject of this Agreement, upon request, we will provide You with a statement of the revised hardware and software requirements for access to, and retention of, the electronic Records, and the right to withdraw your consent without imposition of any fees for such withdrawal, and without imposition of any condition or consequence that was not disclosed under this Agreement. Consent applies to categories of Records. Your consent to receipt of electronic Records applies to any and all Records, Policy documents, certificates, applications and/or any information or electronic communications related to your Policy, with the exception of the cancellation or termination of health insurance or benefits or life insurance benefits (excluding annuities). You will receive any Records required by federal law at this website, or through the electronic mail address yo
- Disability InsuranceLong term disability insurance helps replace income for an extended period of time. It is a fact that one out of three (3) working adults will have a disability that lasts longer than 90 days in their lifetime. Long term disability insurance is a vital component in any individual and family’s future financial security.
- Long Term CareLong term care is the type of care received, either at home or in a facility, when someone needs assistance with activities of daily living (bathing, dressing, toileting, transferring, continence and eating) or suffers severe cognitive impairment (such as Alzheimer’s disease).
- Dental Insurance
- Vision Insurance
- Business InsuranceBased on those savings, Donna Moran did a thorough evaluation for some commercial rental properties we own, then all of our business insurance and they were able to save us thousands by finding us better insurance at lower premiums. Their professional packet of insurance options was so clear and concise; it helped us to make timely and quick decisions.
- Commercial Property InsuranceCommercial Property insurance coverage comes in many forms to suit your specific needs. Before purchasing coverage, take a complete inventory of all your business property to determine what you need to insure and the cost of replacement.
- Workers Compensation InsuranceThese are just a few of many actions you can take to reduce workers’ compensation costs. When it comes to Workers Compensation it is very important to work with an agency that has the experience and knowledge that can help reduce these costs.
- Commercial Liability InsuranceAs our business grew, so did our confidence in Moran Insurance. They now handle all of our business liability, auto, workers compensation, and umbrella policies. Donna Moran and her staff are proactive, organized, and established a strong relationship with us. It is reassuring to have Moran Insurance as our broker.
- Professional Liability InsuranceIt’s a good news, bad news situation. The bad news: Lawsuits- once a measure of last resort- are now commonplace in settling disputes. The good news? You can protect yourself, and your business and reputation, by investing in professional liability coverage, also known as Errors and Omissions (E&O) insurance.
- Annuities
- Liability InsuranceThe more your earning power and net worth increase, the more you have at risk, and therefore, the more you need to protect. If you think you need at least a million dollars of additional protection above your current homeowners or automobile liability limits, you can purchase something called excess liability. Often referred to as an umbrella policy, excess liability is the additional protection you need in case a judgment against you exceeds the liability limits of your existing auto or homeowners policy. Available in amounts ranging from one to five million dollars, excess liability coverage increases your personal liability limits by adding protection to your current auto, boat or homeowners policies. At Moran Insurance we have contracts with Carriers that will offer up to 100 million in umbrella coverage.
- Flood InsuranceLet’s say the river near your home overflows its banks after an excessive rainfall, causing severe damage to your home and its contents. Because damages caused by floods are specifically excluded from all homeowners policies you would not be covered. You need to have a separate flood insurance policy in order to be covered.