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…
Keeping employees safe on the job and minimizing the risk of related accidents and injuries are top priorities within any organization, regardless of size or sector. While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace…
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…
Fleet fraud refers to a host of deceptive activities that may occur amid the sale and operation of commercial vehicles and their individual assets (e.g., engine parts). Such fraud is a significant concern for any business that utilizes commercial vehicles, whether it’s a few small cars or a dozen tractor-trailers. According to a recent report…
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.…
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…
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…
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…
Operation Safe Driver Week—an annual campaign conducted by the Commercial Vehicle Safety Alliance (CVSA)—will take place from July 13-19, 2025. This year’s focus will be on reckless, careless or dangerous driving. The Purpose of Operation Safe Driver Week Operation Safe Driver Week is an annual seven-day initiative created by the CVSA to help detect and…
Employers have a legal and ethical responsibility to keep the workplace free from harassment. Federal and state laws obligate them to do so, and adhering to this duty not only ensures compliance but also protects employees, improves morale and boosts productivity. A harassment-free workplace also safeguards the company’s reputation and minimizes the chances of facing…
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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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