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Your Local Insurance Experts That Truly Understand Maryland’s Life

At PRA-LLC, we’re proud to serve as one of Maryland’s most trusted names in personal and business insurance. With decades of real-world experience, our mission goes beyond policies and paperwork—it’s about helping Marylanders feel secure in their homes, on the road, and in their businesses every single day.

We’ve met families across the Bay, business owners in Baltimore, and hardworking folks all around the Beltway. Everyone’s story is different, but the goal’s always the same—to know that when life throws a curveball, you’re not facing it alone.

Born and Rooted Right Here in Maryland

If you’ve lived in Maryland long enough, you know this place has its own rhythm. There’s the buzz of downtown Baltimore, the charm of Annapolis, and those quiet, tree-lined neighborhoods in places like Silver Spring or Columbia. And then there’s that salty Chesapeake breeze that reminds you to slow down once in a while.

We get it because we live it too. When you call us, you’re not speaking to some random call center across the country—you’re talking to a local who’s seen what summer storms can do to a roof or how winter potholes can eat tires alive.

Whether you’re a small business owner in Rockville, a homeowner in Frederick, or raising your kids near the water, we’ll shape a policy that fits your world like it was made for it.

Keeping Maryland Businesses Covered

Running a business isn’t easy, right? You’ve got payroll, customers, deadlines, and about a hundred little fires to put out before lunch. The last thing you should be worrying about is what if something goes wrong? That’s where we come in!

Here’s a peek at what we offer:

  • Commercial Auto Insurance: so your drivers and vehicles stay protected on Maryland’s busy roads.
  • General Liability: because accidents don’t always call ahead.
  • Workers’ Compensation: helping you look after your team if they ever get hurt on the job.
  • (NEMT) Insurance: for Maryland’s Non-Emergency Medical Transport pros who keep our healthcare system moving.

We know the industries that power this state—from logistics and tech to healthcare and retail. We build coverage that makes sense for your business, your risks, and your budget.

For Your Family and Your Peace of Mind

Now, let’s talk about you. Your car, your home, your health—they’re all part of your story. We help protect the things that keep your world steady with personal coverage that actually feels personal.

  • Auto Insurance: whether you’re commuting to D.C. or just heading to Ocean City for a weekend.
  • Homeowners Insurance: guarding the places and things that make your house a home.
  • Life & Health Insurance: because your loved ones deserve a future that’s secure and stress-free.

We’ll walk you through it all—plain talk, no pressure, no confusing terms. Just honest help from people who care.

Why So Many Marylanders Choose Us

  • We’re local, not corporate.
  • We offer both business and personal insurance under one roof.
  • Every plan is custom, not cookie-cutter.

At PRA-LLC, you’re not a number. You’re a neighbor, and we take that seriously.

Ready to Talk?

Whether you’re in Baltimore, Annapolis, Frederick, or somewhere between, we’d love to help you feel a little more at ease about tomorrow. Contact us for a free quote or to receive some friendly advice.

Because for us, insurance isn’t just about policies—it’s about people. And that’s something we’ll never lose sight of.

PRA LLC