To start the year, small business owners are navigating a landscape that blends optimism with caution. A recent survey from Comerica Bank, a financial services company, reveals that while confidence remains strong, challenges such as inflation, tariffs and labor shortages continue to shape decision-making. Bank Comerica’s Small Business Pulse Index shows that 80% of small…
The gig economy is a system in which organizations engage individuals, often through digital platforms or intermediaries, for temporary or task-based work, rather than relying solely on full- and part-time employees. It’s quickly becoming a key component of the world economy. Organizations are increasingly turning to gig workers to meet labor demands, especially as they…
Businesses delivering professional services face significant legal risks in today’s lawsuit-conscious environment. Consumers are increasingly holding companies accountable for the advice and expertise they provide, and even minor missteps in delivery can result in costly legal consequences. These risks are not limited to traditional professions like medicine or law; any business offering specialized knowledge or…
Businesses increasingly rely on their vendor relationships for operational continuity and long-term growth. Yet, this trusted business-vendor relationship can be exploited by cybercriminals. Vendor email compromise (VEC), also known as supply chain compromise, is a rapidly growing email threat that can deceive even the most security-conscious employees. In VEC attacks, threat actors impersonate trusted business…
Change came quickly for small businesses in 2025. New technology, a tighter job market, and rising customer expectations reshaped how owners operate and grow. Looking ahead, 2026 will bring even bigger shifts — the kind that calls for focus, smart planning, and flexibility. These 10 small business trends give you a clearer picture of what’s…
Unexpected disasters can impact organizations, their operations and stakeholders. Natural catastrophes, cyberattacks, public health crises and supply chain incidents can all have serious consequences. These and other events can damage commercial property and digital assets, disrupt critical business functions and cause operational downtime. They can also result in illnesses or injuries, emotional harm, and financial…
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…
An employee handbook functions as a vital compliance document and internal governance tool. When structured properly, it promotes consistency, supports risk management and provides employees with a clear understanding of company policies and expectations. In today’s ever-shifting legal environment, maintaining a thoughtfully written and regularly updated employee handbook is essential for employers. Essential considerations for…
Keeping employees safe on the job and minimizing the risk of related accidents and injuries are top priorities within any organization, regardless of size or sector. While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace…
Employee engagement refers to an employee’s emotional connection and commitment to their organization and its goals. It’s often reflected in their loyalty, motivation and willingness to advocate for the organization. Engagement is a critical factor in driving retention and productivity. According to a report from Gallup published in early 2025, the percentage of engaged employees…
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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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