Employers have a legal and ethical responsibility to keep the workplace free from harassment. Federal and state laws obligate them to do so, and adhering to this duty not only ensures compliance but also protects employees, improves morale and boosts productivity. A harassment-free workplace also safeguards the company’s reputation and minimizes the chances of facing…
Details
If you own a boat, you likely understand the joys of being out on the water, but you also know that accidents and unexpected events can happen. Boat insurance can help protect you from the financial consequences of damage, theft or liability that can occur while operating your vessel. Whether you’re cruising a lake, fishing…
Details
Fires are a significant risk to businesses in the construction industry. In addition to substantial property damage, they can cause serious injuries and death. One source of fires is spontaneous combustion, or spontaneous ignition, in which fires start without the presence of an external heat source. Several conditions, including the improper storage or disposal of…
Details
Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the company’s evolving needs. Skipping this review can result in coverage gaps, leaving new business services, equipment or locations underinsured—or worse, completely uninsured. When done with the help of an insurance professional, an…
Details
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…
Details
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…
Details
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,…
Details
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…
Details
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…
Details
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…
DetailsYou 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
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
All information, content, and materials available on this site are for general informational purposes only. This information does not, and is not intended to, constitute legal advice on any particular set of facts or circumstances, and may not constitute the most current legal developments. No user or browser of this site should act or refrain from acting based on the contents of this site without first seeking legal advice from counsel in the appropriate jurisdiction. This website may also contain links to content from third-party web sites which are intended only as a convenience for the user or browser and are not necessarily recommended or endorsed by Deeley Insurance Group. All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed. The content on this website is provided “as is” and no representations are made that the content is free of errors.