When community associations talk about disaster preparedness, the conversation often focuses on insurance. Do we have enough property coverage? Are our flood limits adequate? What deductible will apply? Those are important questions. But after a major storm, some of the biggest challenges facing a community may have nothing to do with filing a claim. Sometimes…
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E-bikes, scooters, power tools, laptops, phones, and many mobility devices all use lithium-ion batteries. These batteries have made modern life more convenient and accessible. For most people, they provide years of safe and reliable service. However, like any technology, lithium-ion batteries can become dangerous if they are damaged, improperly charged, modified, or used with incompatible…
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A plain-language guide to coinsurance, agreed value, GRC, ERC, and those other clauses that like to hide in the policy. One of the questions I get asked most often is: “Why are you so focused on our building values?” The short answer? Because when a major claim happens, your building limit and how it is…
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Every autumn, community associations remind owners to winterize their units before heading home for the season. And every autumn, someone writes: “Please remember to turn off your water and maintain sufficient heat.” It’s good advice. It’s also incredibly boring. The problem isn’t that owners don’t know they should winterize. The problem is that after hearing…
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A multi-year advocacy effort by Community Associations Institute brings welcome relief for volunteer board members. There’s some good news for community association boards — and it’s the kind of news worth sharing. On August 11, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued a final rule permanently exempting U.S. companies and…
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Community association issues don’t stop at the state or local level. Decisions made in Washington can have a very real impact on association budgets, insurance costs, disaster recovery, condominium financing and the ability of communities to maintain their properties. That was the focus of the Community Associations Institute (CAI) 2026 Congressional Advocacy Summit, held September…
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For transportation companies, getting the load from Point A to Point B is only part of the job. Getting it there safely requires knowing how that cargo will behave throughout the trip—and making sure it is properly loaded, positioned, secured and inspected before the wheels start turning. A recent fatal accident in Colorado offers a…
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A subcontractor default can disrupt even a well-planned construction project. When a subcontractor can’t meet its contractual obligations—whether because of financial difficulties, staffing or resource shortages, or performance issues—the general contractor or project owner may be left dealing with schedule delays, additional costs, quality concerns and the challenge of getting the work back on track.…
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The transportation industry has been talking about Montgomery v. Caribe Transport II, LLC for months—and for good reason. In May, the U.S. Supreme Court unanimously changed the legal landscape surrounding freight brokers and the way they select motor carriers. Since then, insurers, brokers, transportation attorneys and industry organizations have been working through what the decision…
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Most employment-related claims don’t begin with something dramatic. They can start with an ordinary workplace decision: choosing one candidate over another, passing someone over for a promotion, putting an employee on a performance plan or terminating someone’s employment. A workplace complaint can also begin with something that seemed relatively minor—a comment, a pattern of behavior…
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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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