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…
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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,…
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In a world where news cycles and social media feeds often amplify frustration, conflict, and division, it can be easy to believe that negativity is the norm. Yet every day, within our own neighborhoods, a very different story unfolds—one defined by cooperation, compassion, and resilience. Recent winter storms brought significant challenges to many communities. Tree…
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The Challenge A condominium association preparing its required five year reserve study received an initial draft projecting over $7 million in fully funded needs and recommending $2.54 million in annual reserve contributions. This would have required owners to pay $384 per month—a level the Board believed was unrealistic and based on inflated cost assumptions. Their…
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State statutes in Maryland, Delaware, and Virginia require community associations to carry fidelity coverage — also known as crime coverage, employee theft coverage, or a fidelity bond. This insurance protects association funds from theft, fraud, or misappropriation. Strong internal controls work hand in hand with proper insurance. Below are key practices every association should follow…
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Spring Property Check-In After a long, tough winter, it’s the perfect moment to take a closer look at our properties. Snow, ice, plowing, and wind can leave behind issues that aren’t always obvious at first glance. Now that the plow damage, fallen branches, and debris are being cleaned up, it’s time for a thorough post-winter…
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Homeowner associations can take proactive steps to reduce confusion, improve fairness, and lower the risk of legal disputes. While every community is unique, many conflicts arise from perceived selective enforcement—when some violations are addressed and others are not. The most common areas of dispute include: 1. Parking Restrictions 2. Architectural Guidelines…
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A positive step toward stronger communities, healthier reserves, and more resilient properties. Community associations across the country will soon benefit from updated lending and insurance standards issued by Fannie Mae and Freddie Mac. These changes are designed to strengthen financial planning, improve long term maintenance, and ensure adequate insurance protection — ultimately supporting safer, more…
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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…
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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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