The weather can change quickly during the spring months, sometimes catching you off guard and posing a serious threat to safety. Make sure you have access to severe weather alerts and know what—and what not—to do if severe weather, such as a hail storm, strikes. If you are outside during a hail storm, seek shelter…
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Deeley knows restaurants! Our Hospitality Insurance Team has decades of experience in all facets of the foodservice industry. We’ll work closely with you to understand your specific risks and concerns. Together, we’ll build the smartest, safest insurance package for your restaurant to protect your property, patrons and employees. Insurance Considerations for Restaurant Owners Restaurant owners…
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One particularly important aspect of home insurance is what’s known as the 80% rule. This guideline is enforced by home insurance carriers and generally exists to ensure you’re maintaining certain coverage limits relative to the estimated cost of a complete home rebuild. The 80% rule states that your home insurance policy must have coverage limits…
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Maryland’s Wage Range Transparency Act is now in effect, expanding pay transparency requirements for employers under the state’s Equal Pay for Equal Work Act. In public and internal job postings, Maryland employers must now disclose the position’s minimum and maximum hourly wage or salary and a general description of benefits and any other compensation. This…
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Safe driving is a crucial responsibility for those in the construction industry, as fleet vehicles (e.g., cars, vans and trucks) are commonly used during projects and standard operations. Safe driving practices involve recognizing and addressing common driving hazards, including distractions, speeding, impaired driving, fatigue and adverse weather conditions. Safe driving tips for fleet vehicle operators…
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For much of the past decade, the commercial auto insurance market has been challenging for both insurers and insureds—a trend that’s expected to continue in 2025. Various factors have led to difficult market conditions, including widespread driver shortages, nuclear verdict concerns, inflation issues and distracted driving challenges. Altogether, these cost-driving trends have pushed claims frequency…
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Personal Umbrella Liability Basics Accidents happen—and it’s not uncommon for jury awards and out-of court settlements to run into the millions of dollars. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, consider…
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On Jan. 14, 2025, the U.S. Department of Labor’s (DOL) Wage and Hour Division (WHD) issued opinion letter FLSA2025-1, addressing whether a manager or supervisor can receive tips from a tip pool when working in a nonsupervisory capacity under the Fair Labor Standards Act (FLSA). The WHD advises that employers may not allow managers or…
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Coastal environments refer to areas located on or within a few miles of shorelines. Although these environments only constitute a small portion of land in the United States, they are some of the most popular spaces for commercial real estate, primarily due to their economic benefits. Specifically, coastal areas are major tourism and population hubs,…
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On Dec. 11, 2024, the U.S. Department of Labor (DOL) announced that OSHA finalized a revision to the personal protective equipment (PPE) standard for construction. The final rule explicitly requires the PPE to properly fit any construction worker who needs it to improve protection from hazardous conditions. The rule went into effect Jan. 13, 2025.…
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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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