Best of 2017 – Metropolitan Magazine
We were honored to be chosen as Metropolitan Magazine's 2017 Best Insurance Agency from Berlin to Ocean City! Thank you for your support.
National Flood Insurance Program Extended till December
The National Flood Insurance Program (NIFP) was set to expire on September 30, 2017. The federal government has extended the NFIP until December 8, 2017. NFIP program is vital to coastal areas, and having the program's existence up in the air creates uncertainty for those buying or selling coastal properties or any property located within…
Employment Practices Liability Scorecard
As a business leader, you make important personnel decisions on a daily basis. From hiring new workers to assigning duties, each of your decisions affects employees in a unique way. Although these actions are critical to running your business, they also create exposures that could lead to costly claims by employees or governmental regulators. Even…
Stock Throughput Policy
As the global economy expands, many businesses have more exposures related to the transportation of their goods, both domestically and internationally. Traditionally, the responsibility for insuring goods traveling overseas fell on freight forwarders, while local insurers would provide coverage for cargo within the country. However, that arrangement led to potential gaps in coverage when loading…
DOL Reinstates Wage and Hour Opinion Letters
On June 27, 2017, the U.S. Department of Labor (DOL) announced that its Wage and Hour Division will reinstate the practice of issuing opinion letters. The DOL discontinued the practice of issuing opinion letters seven years ago in favor of publishing more general guidance. Opinion letters provide guidance to employers on how to comply with…
Protect Your Home from Water Damage
Most people would probably guess that the majority of homeowners claims are fire claims, but they're not. Fire claims can be extreme, often a total loss, but the most common homeowners claim is water damage. Whether it's from inside our outside your home, water can do serious damage. Here's some tips from the Insurance Information…
Homeowners Association Security Mistakes
Security is a big issue for community associations. A high profile crime can point a spotlight on potential liabilities and holes in your current program. We recently came across a good article listing the Top 10 Security Mistakes Homeowners Associations Make from SecurityNet.Com Here's their Top 10 list: Not Conducting a Security Survey, Audit, or…
Named Storm Deductibles
The heavy rainfall, high wind and storm surges associated with hurricanes and other intense storms can devastate any business, even those located hundreds of miles off a coast. Because these storms have the potential to cause tens of billions of dollars in damage, insurance providers generally use special, “named storm deductibles,” to provide coverage in…
Tornado Preparation
Although Kent Island received heavy damages during the tornado on July 24, 2017 – only one person was injured and not severely. We can be thankful that no lives were lost during this extreme event. It is a good time to remind and teach out children about protecting themselves during a tornado watch and warning.…
Have a Responsible Summer
Photo by Lance Armstrong on Unsplash This Aug. 18 to Sept. 4, law enforcement will be stepping up their “Drive Sober or Get Pulled Over” campaign. This means police officers will be focused on spotting impaired drivers and pulling them over. There were nearly 10,000 people killed in alcohol-impaired motor vehicle crashes in 2014, according…
