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…
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…
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…
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…
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…
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.…
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…
On July 17, 2017, U.S. Citizenship and Immigration Services (USCIS), part of the U.S. Department of Homeland Security, issued an updated version of Form I-9: Employment Eligibility Verification (Form I-9). Under federal law, every employer that recruits, refers for a fee or hires an individual for employment in the United States must complete a Form…
According to OSHA, each year dozens of workers die from heat related illnesses and thousands more become ill. Under OSHA law, employers are responsible for protecting employees from known workplace hazards, and this includes extreme heat. The information below from OSHA details the varying levels of heat related illnesses and what to do. Heat Illness…
At one point in time, nearly every company driver has dreamed of being an owner-operator. The freedom to choose your own routes, set your own schedules (dependent upon jobs taken, of course), drive the truck of your choosing and selecting your own policies and rules (again within reason and regulations.) Additionally, owner-operators tend to earn…
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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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