Maryland and Delaware Condominium Laws require fidelity coverage (sometimes called Crime) for associations over a certain size. This coverage would typically reimburse an association after a Board Member or Management steals or misappropriates the funds. With computer hacking being the fastest growing crime, associations should be proactive in making sure the fidelity policy covers social…
If the Association does not currently employ personnel then why would you need a workers compensation policy? First, stop in any meeting and you will probably see a Board or Committee made up of entirely volunteers. These volunteers do work on behalf of the association, at a designated time and place, and could be considered…
If you are lucky, you have a backup generator, warm fireplace, candles and hand-cranked flashlights that can charge your cell phone. If not, what do you do? FEMA suggests the following: Be ready with these power outage preparedness tips from The Ready Campaign: Build or restock your emergency preparedness kit. Include a flashlight, batteries, water,…
In the middle of the cold snap, the Ocean City Fire Marshal visited the members of the Delmarva Condo Managers Association. We enjoyed an excellent chicken and dumplings luncheon supplied by the great people at The Princess Royale, while Mr. Whittington asked us to help spread the word on what we all can do to…
Finally, warm temperatures have arrived! Yep it is 42 degrees. And all the snow is melting and tonight when it dips below freezing, will freeze again. Icy surfaces to walk and drive on cause issues, so lets be careful. Why not look to our Northern neighbors to see what they do when confronted with ice…
As the Maryland lawmakers return to work they will revisit the following issues that were debated in prior years: 1. Manager Licensing – Virginia does have manager licensing. Licensing sounds appropriate for the growing industry, but the cost to run the program has been too high for the state to consider. Managers should consider continuing…
The National Flood Insurance Program (NFIP) was authorized for a five year period that ended on September 30th. Since then there has been three short-term extensions. Currently the program expires on January 19th. Check out the news article from Insurance Business Magazine that reviews the importance of a long term authorization of the National Flood…
A bartender is legally liable for serving alcohol to a patron who becomes intoxicated and then injures a third party. Does a business face a similar exposure when it hosts a social event where alcohol is served, such as an open house or employee picnic? According to the Insurance Information Institute, liquor liability exposure is…
A homeowners association (HOA) shoulders not only the well being of a community but also many of its inherent risks. With few regulations and no general insurance programs able to fit all HOAs, it is imperative to understand the details of your association’s coverage and design it to meet your needs. Fill the cracks in…
The recent storms' devastating effects on Texas, Florida, Puerto Rico and the US Virgin Islands spotlights the importance of proper community planning, building codes and infrastructure. FEMA administrator Brock Long recently gave a prepared statement to the United States House Committee on Transportation and Infrastructure. “I cannot overstate the importance of focusing on investing in…
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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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