As a construction worker, you may often work in difficult environments with changing conditions and firm deadlines. These challenging settings can be stressful and negatively affect your mental health, so it is essential to take proactive steps to protect your mental well-being. Mental Health in the Construction Industry Poor mental health is a major issue…
Contractual risk transfer (CRT) involves shifting financial responsibility for specific risks from one party to another within a contract. This risk management strategy is crucial for construction employers, as it places liability on subcontractors, vendors or service providers. In this way, CRT protects employers’ margins, reduces uninsured losses and helps ensure insurance coverage for losses.…
Whether you’re building a new home addition, adding a feature like a swimming pool, redoing a bathroom or upgrading an electrical system, understanding and addressing possible renovation risks is critical. 5 Key Renovation Considerations In the lead-up to your project, your insurance agent can help review potential risks and concerns that may require attention. Specifically,…
The end of the 43-day federal government shutdown also saw the temporary reauthorization of the National Flood Insurance Program (NFIP) through Jan. 30, 2026, which had lapsed as of Oct. 1 and left the program unable to sell or renew flood policies. The federal spending bill (H.R. 5731) retroactively reauthorized the NFIP to Oct. 1,…
These Insurance Resolutions will help you start the New Year smarter and safer! Check in with Life Changes New house? New spouse? New baby? New teen driver on your policy? Let us know! Consider Your Holiday Goodies If you purchased or received new valuables – a new vehicle, jewelry, coat, art or collectibles – reach…
The gig economy is a system in which organizations engage individuals, often through digital platforms or intermediaries, for temporary or task-based work, rather than relying solely on full- and part-time employees. It’s quickly becoming a key component of the world economy. Organizations are increasingly turning to gig workers to meet labor demands, especially as they…
Employee handbooks serve as a foundational tool for shaping workplace culture, guiding employee behavior and safeguarding organizations against legal exposure. Yet too often, employers overlook the importance of keeping employment policies current. When employee handbooks are not regularly reviewed and updated, organizations can face increased exposure to legal risks and liabilities. In today’s rapidly evolving…
Businesses delivering professional services face significant legal risks in today’s lawsuit-conscious environment. Consumers are increasingly holding companies accountable for the advice and expertise they provide, and even minor missteps in delivery can result in costly legal consequences. These risks are not limited to traditional professions like medicine or law; any business offering specialized knowledge or…
Businesses increasingly rely on their vendor relationships for operational continuity and long-term growth. Yet, this trusted business-vendor relationship can be exploited by cybercriminals. Vendor email compromise (VEC), also known as supply chain compromise, is a rapidly growing email threat that can deceive even the most security-conscious employees. In VEC attacks, threat actors impersonate trusted business…
Operation Safe Driver Week Results Operation Safe Driver Week—an annual campaign conducted by the Commercial Vehicle Safety Alliance (CVSA)—took place from July 13-19, 2025. This year’s focus was on reckless, careless and dangerous driving. During the weeklong initiative, law enforcement officers in Canada and the United States stopped 8,739 passenger vehicles and commercial motor vehicle…
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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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