About Us

About Us

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage.  We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally.

We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes.

Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship.  We always strive to never veer from our values – C.A.R.E

RWO Core Values

Client Focus. Accuracy. Respect and Integrity. Excellence.

Why Raley, Watts & O’Neill?

Clear, Straightforward Language

Raley, Watts & O’Neill will explain the insurance process to you in clear, straightforward language. We want you to know where your money is going and what factors determine the cost of insurance for your firm.

Training and Education

We provide a variety of free training on everything from defensive driving to forklift safety to HR compliance. We also do job site audits and provide planning and tracking tools to help you stay OSHA-compliant. Over the past year, RWO has provided its clients with free classes on CPR/First Aid, 401k, employment practices, and 125 plans.

Transparency of Insurance Costs

Similar insurance companies can generate vastly different premiums based on a variety of reasons, from loss history to the quality of safety planning. Do you understand the factors impacting what you pay for insurance? Do you know how much you are paying your agent? We will take the time to explain what drives your fees and design a plan to keep your insurance costs as low as possible.

The Right Coverage at the Right Time

Do you thoroughly understand how your insurance program works? A cheap premium does you no good if you have no coverage when a loss occurs. Many companies do not realize that key exposures are under-insured or, worse, not covered at all until there is a serious loss.

Comprehensive Coverage

Thorough coverage rarely costs significantly more, but it takes in-depth analysis and expertise to get it right.