Many people earn income through flexible, project-based work. Insurance may not be the first thing a gig worker considers, but it can make a significant difference when unexpected events threaten financial stability. What Counts as Gig Work? Gig work is short-term or contract-based jobs where the worker is not a traditional employee. Gig workers can…
Even the most meticulously planned road trips may experience unexpected issues. Before embarking, consider whether your auto insurance policy offers suitable protection for your journey, such as: Roadside assistance coverage — This part of your auto insurance policy can be vital if your car breaks down on the side of the road or you’re otherwise…
Renters insurance offers an affordable way to financially protect your belongings and liability when you live in a rental property. When living with a roommate, you may consider sharing a renters insurance policy. While this may offer some financial savings, it also comes with potential setbacks. Pros of Sharing a Renters Insurance Policy Policies vary,…
Ensuring that your restaurant is clean and serves fresh, safe food to patrons is your greatest responsibility; health inspections are a way for you to learn how to best uphold this responsibility. To observe you when you are running operations as you normally would, inspectors often make impromptu inspections. Many inspections are performed during the…
The Commercial Vehicle Safety Alliance (CVSA) recently announced that this year’s International Roadcheck is scheduled for May 12-14, 2026. The International Roadcheck is an annual, three-day enforcement initiative that emphasizes the importance of commercial motor vehicle (CMV) and driver safety through a blitz of high-visibility roadside inspections across North America. During the event, enforcement officials…
The trucking industry remains essential to the U.S. economy, but employers face increasing risk as we continue through 2026. Litigation, cargo theft, data-driven underwriting and workforce shortages are affecting insurance availability, costs and operational resilience. Proactive planning can help employers mitigate these risks. Litigation Risk and Insurance Pressure Nuclear verdicts are straining the commercial auto…
Trends in Commercial Liability Insurance As we move through 2026, insurers remain focused on underwriting discipline, risk selection, and profitability. Primary general liability pricing has generally stabilized, with renewal outcomes varying based on class of business, loss history, and overall risk management practices. However, excess liability remains the most challenged segment, with capacity constraints persisting…
Trends in Commercial Property Insurance As we move further into 2026, coastal property owners are continuing to experience a long‑awaited recalibration of the insurance market. Following several years of disruption driven by catastrophic losses, inflation, and valuation pressures, conditions continue to stabilize. This shift has translated into improved participation, increased capacity, more competitive pricing, and,…
According to OSHA, one of the most effective ways to promote a safe working environment is to get involved in company safety meetings. These informal, brief meetings allow employees to stay up to date on potential workplace hazards and related mitigation measures, often addressing topics such as ergonomics, tool handling, equipment use and safety-minded attitudes…
After a long winter, performing basic maintenance can help prevent breakdowns, improve safety and keep your car running smoothly as warmer weather arrives. How to Conduct a Seasonal Check-up Reduce the need for unexpected repairs and improve your vehicle’s performance with a seasonal check-up. Consider these steps: Replace worn wiper blades. Test the battery to…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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