For over a decade, rising claim frequency and severity have diminished underwriting profitability and generated hardened conditions across the commercial auto insurance segment. Key factors contributing to these market difficulties include surging accident expenses, costly litigation and increasingly unsafe driving habits among commercial drivers. Consequently, the vast majority of policyholders have encountered significant rate hikes…
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The commercial property insurance segment has been grappling with limited underwriting profitability and hardening conditions for much of the past decade, mainly due to surging catastrophe (CAT) losses, inflation issues and property valuation challenges. As such, ongoing premium jumps and restrictive coverage terms have become the norm for most policyholders. According to industry data, average…
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Insurance-to-value (ITV) is the relationship between the amount your home is insured for and what it would actually cost to rebuild or replace it from the ground up. It’s important to know that this isn’t the same as your home’s market value or what you originally paid for it. ITV focuses on reconstruction costs—including materials,…
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Understanding heat stress and heat-related illness can help maintain safety when working in hot conditions. Maryland’s heat stress standard (COMAR 09.12.32) went into effect on September 30, 2024. Maryland Occupational Safety and Health (MOSH) Heat Stress Standards apply to both indoor and outdoor workplaces where employees are exposed to a heat index at or above…
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BENCHMARKING DEADLINE EXTENSION – Updated Aug. 29, 2025: The State deadline for building owners to submit benchmarking reports and exemption forms has been extended through Sept. 30, 2025. If additional time is needed beyond September 30, you can notify the MDE team by sending an email to beps.mde@maryland.gov with the subject line “BEPS Benchmarking Report…
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A heat wave can be dangerous and even life-threatening for people who don’t take the proper precautions. In extreme heat and high humidity, evaporation slows and the body must work harder to maintain a normal temperature. Most heat disorders occur because the victim has been overexposed to heat or has over-exercised for their age and physical…
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The Atlantic and central Pacific hurricane season runs from June 1 through November 30. The best time to prepare is well before the official start of the season. Avoid having to rush through potentially life-saving preparations by waiting until it’s too late. Get your disaster supplies while the shelves are still stocked, and get that…
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A common expression references “April showers,” exemplifying the frequency of precipitation and moisture inherent during this time of year. However, while these conditions may help promote blooming flowers and budding trees, they can also promote unwelcome mold growth in your home. Mold can produce allergens, irritants and even toxic substances. Prevent mold growth in your…
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You may notice that you sneeze and cough more during certain times of the year. In this case, you may have seasonal allergies, which are allergy symptoms that occur during specific times of the year, typically when allergens are released into the air. The most common spring allergy trigger is tree pollen, which peaks from…
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Outdoor dining quickly emerged as a way to keep restaurants operational during the COVID-19 pandemic and has remained a popular and attractive option. Temporary and permanent outdoor dining areas carry a unique set of risks for restaurant owners to consider. Offering outdoor dining without proper precautions and safety procedures poses risks for employees and customers,…
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Client Support Team
Deeley Insurance Group
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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