One particularly important aspect of home insurance is what’s known as the 80% rule. This guideline is enforced by home insurance carriers and generally exists to ensure you’re maintaining certain coverage limits relative to the estimated cost of a complete home rebuild. The 80% rule states that your home insurance policy must have coverage limits…
Maryland’s Wage Range Transparency Act is now in effect, expanding pay transparency requirements for employers under the state’s Equal Pay for Equal Work Act. In public and internal job postings, Maryland employers must now disclose the position’s minimum and maximum hourly wage or salary and a general description of benefits and any other compensation. This…
Safe driving is a crucial responsibility for those in the construction industry, as fleet vehicles (e.g., cars, vans and trucks) are commonly used during projects and standard operations. Safe driving practices involve recognizing and addressing common driving hazards, including distractions, speeding, impaired driving, fatigue and adverse weather conditions. Safe driving tips for fleet vehicle operators…
Personal Umbrella Liability Basics Accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions of dollars. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, consider…
On Jan. 14, 2025, the U.S. Department of Labor’s (DOL) Wage and Hour Division (WHD) issued opinion letter FLSA2025-1, addressing whether a manager or supervisor can receive tips from a tip pool when working in a nonsupervisory capacity under the Fair Labor Standards Act (FLSA). The WHD advises that employers may not allow managers or…
Coastal environments refer to areas located on or within a few miles of shorelines. Although these environments only constitute a small portion of land in the United States, they are some of the most popular spaces for commercial real estate, primarily due to their economic benefits. Specifically, coastal areas are major tourism and population hubs,…
On Dec. 11, 2024, the U.S. Department of Labor (DOL) announced that OSHA finalized a revision to the personal protective equipment (PPE) standard for construction. The final rule explicitly requires the PPE to properly fit any construction worker who needs it to improve protection from hazardous conditions. The rule went into effect Jan. 13, 2025.…
Delmarva is blessed with many amazing organizations, working tirelessly to improve the quality of life for kids and families, veterans, pets, and everyone in between. The Deeley team is passionate about supporting the communities we serve, and we know the efforts of those groups can always use a little extra support. Recently, we revived our…
The kitchen is the heart of the home, especially at Thanksgiving. From testing family recipes to decorating cakes and cookies, everyone enjoys being part of the preparations. Kids love to be involved, so safety in the kitchen is important, especially with lots of activity and people at home. Follow these tips to keep your family…
World Mental Health Day, observed annually on Oct. 10, is a global initiative to raise awareness about mental health issues and mobilize efforts to support mental well-being. Established by the World Federation for Mental Health in 1992, this day serves as a reminder of the importance of mental health and the need for accessible care…
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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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