2025 CAI Maryland Legislative Session Report

Community Associations Institute (CAI) Maryland Legislative Action Committee (MD LAC) spent the 2025 legislative session advocating on behalf of the approximately 1,062,000 Marylanders living in 406,100 homes in more than 7,100 community associations across the Old Line State. Maryland’s 2025 legislative session began on January 8 and adjourned April 7. In the House, MD LAC supported…

New English-Language Proficiency Guidelines for CMV Drivers

On May 20, 2025, the secretary of the U.S. Department of Transportation’s (USDOT) signed an order announcing new guidelines to strengthen English language enforcement for commercial truck operators. Under the new guidance, commercial motor vehicle (CMV) drivers who fail to comply with the Federal Motor Carrier Safety Administration’s (FMCSA) longstanding English-language proficiency (ELP) requirements will…

What Makes Someone High-Risk for Insurance?

Your personal characteristics and decisions influence how your insurance rates are determined. While you can’t control every risk factor, knowing what information insurers consider when setting premiums is a good step toward making choices that may positively influence your rates. Home Insurance Insurers look at property details and personal behavior when pricing home insurance policies.…

7 Roof Coverage Terms You Should Know

Your home’s roof is among its most critical structural components, protecting your family, belongings and the rest of your residence from many possible perils and threats. However, your roof is also inherently exposed, potentially pounded by large hail, powerful winds, torrential rains and falling objects. While your home insurance policy likely includes some form of…

Top Causes of Workplace Injuries

A recent survey conducted by insurance experts revealed the most frequent and costly workplace injuries across industry lines. By reviewing key findings from this survey and adjusting their risk management practices accordingly, employers can maintain safer working environments and minimize potential injuries among their staff. Key Findings The survey, which compiled data from over 1…

8 Employee Engagement Mistakes to Avoid in 2025

Employee engagement refers to an employee’s emotional connection and commitment to their organization and its goals. It’s often reflected in their loyalty, motivation and willingness to advocate for the organization. Engagement is a critical factor in driving retention and productivity. According to a report from Gallup published in early 2025, the percentage of engaged employees…