Several scenarios that businesses encounter in routine operations may expose them to litigation and general liability claims. A customer walking through a business could slip on a wet floor, or a piece of equipment could fall and damage a customer’s personal belongings. These and other incidents may lead to liability claims, disrupting operations and placing…
Outdoor heaters are portable heating appliances designed to provide thermal radiation to outside spaces, such as open-air patios or decks. Also known as patio or umbrella heaters, these appliances can be utilized at various types of businesses (e.g., bars, hotels, restaurants and entertainment venues) to help keep outdoor areas warm and extend their usability throughout…
Around the country, vehicles crash into buildings an average of 100 times a day, and often it’s into a restaurant. Experts say there are steps operators can take to prevent death, injury, damage and the liability that can result. It happens just after they take their first bite of a sandwich. Two YouTube influencers sitting…
From missing mealtime rituals to first jobs, Gen Z presents restaurants with a daunting yet solvable opportunity. Article by Consumer Insight Expert and Award-Winning Researcher Lisa Miller For years, restaurants assumed the challenge with Gen Z would be about digital habits or menu preferences. But research shows something more fundamental: Gen Z has arrived without…
On July 4, 2025, President Donald Trump signed a tax and spending bill, commonly referred to as the One Big Beautiful Bill Act (OBBBA), into law. Among other provisions, the OBBBA would allow certain workers an above-the-line deduction for “qualified tips” and “qualified overtime compensation” for taxable years beginning after Dec. 31, 2024, and expiring…
On Jan. 14, 2025, the U.S. Department of Labor’s (DOL) Wage and Hour Division (WHD) issued opinion letter FLSA2025-1, addressing whether a manager or supervisor can receive tips from a tip pool when working in a nonsupervisory capacity under the Fair Labor Standards Act (FLSA). The WHD advises that employers may not allow managers or…
Thank you! Thank you! Thank you! We totally believe our team is THE BEST, but it’s such an honor to hear it from our clients! We’re super proud to announce that readers of Coastal Style Magazine awarded us three “Best Of” honors this year: Deeley Insurance Group is voted “Best Insurance Agency in Worcester County,”…
When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various losses may make it challenging for organizations to avoid operational disruptions or temporary shutdowns. In these instances, even brief closures can carry costly consequences. That’s where business interruption (BI) insurance can help. Also known as business…
When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various losses may make it challenging for organizations to avoid operational disruptions or temporary shutdowns. In these instances, even brief closures can carry costly consequences. Fortunately, that’s where business interruption (BI) insurance can help. BI insurance can…
Employees tried to cheat on workplace drug tests six times more often in 2023 than they did in 2022, but even the cheating couldn’t lower detected use from the highest level of the last 20 years, according to the testing service Quest Diagnostics. The percentage of tested workers found to be using drugs remained at…
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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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