Healthy sleep habits can make a big difference in your quality of life. Try to keep the following sleep practices on a consistent basis: Stick to a sleep schedule of the same bedtime and wake up time, even on the weekends. This helps to regulate your body’s clock and could help you fall asleep and stay asleep…
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Flood Facts Property owners and renters should buy flood insurance even if you aren’t in a high-risk area. Your chances of being flooded are much greater than some other risks you face daily. If you live in a 100-year floodplain, there’s more than a 1 in 4 chance that you’ll be flooded during a 30-year…
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Fewer insurers are willing to write commercial trucking business, and the coverage that’s available can be prohibitively expensive, with rate increases averaging in the double digits for even the cleanest accounts. Technological developments may allay these expenses, including autonomous technology capable of maximizing operational efficiency. Additionally, watch out for these two trends: 1) Drastic economic…
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Fuel costs have traditionally been the largest line-item expense for motor carriers. Great West Casualty Company believes the first step in changing this aspect of the company’s culture is to audit current fuel consumption to determine how much is being consumed so reduction goals can be established. For smaller motor carriers, the focus may only…
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The National Flood Insurance Program typically sees minor changes every April and October. This April, the following policy changes will occur: Flood declaration pages will now have the following statement: Refer to https://www.fema.gov/cost-of-flood for more information about flood risk and policy rating. 2- to 4-family buildings can be considered a primary residence with the smaller…
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The Delmarva Condominium Managers Association welcomed Dr. Cliff Mitchell Director of the Environmental Health Bureau, Maryland Department of Health and Mental Hygiene to the monthly meeting on February 12, 2019. Dr. Mitchell reviewed changes in pool operating procedures and pending updates to COMR 10.17.01 Public Swimming Pools and Spas. As presented, the changes would allow…
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Amending Governing Documents is HARD! The General Assembly of Maryland is reviewing a bill to change the real property act (condominium and HOA) to make the process of amending documents a little easier. “If the declaration contains a provision requiring any action on the part of the holder of a mortgage or deed of trust…
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As some construction projects become more complex, the demand for lifting larger loads grows, which is affecting the size of cranes and the complexity of lifts. Lifting operations depend on a team approach, careful planning and continued training to stay current with industry rules and regulations. Crane safety includes both basic and advanced planning as…
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Construction tasks often require working around heavy equipment and being in situations that can cause serious injury. Follow these simple guidelines to ensure that you’re lifting properly. Proper Lifting Techniques Wear gloves if you are lifting rough equipment. Clear away any potential obstacles before beginning to carry an object. Get a good grip and stable…
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Construction contracts can contain terms that impact your company’s bottom line. Review all contracts carefully before signing to save your company time and money. The following guide highlights some common contract terms and their potential impact. Understanding these will help protect your company’s assets. Always seek the help of licensed counsel to analyze the commercial…
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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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