If Congress allows a shutdown that lapses National Flood Insurance Program (NFIP) authorization, the program would stop issuing new policies and would not process renewals or endorsements until reauthorization, while existing policies remain valid until their scheduled expiration. What Stops and What Continues Stopped: New NFIP policies, policy renewals, endorsements, and increases in coverage would…
September was Suicide Prevention Month, but the topic is critical, and merits ongoing discussion. The Construction industry experiences a higher-than-average rate of suicide, and has developed its own internal groups to promote awareness and prevention. Get involved and discover resources to share with your team at these sites: Construction Industry Alliance for Suicide Prevention (CIASP)…
Every October, Cybersecurity Awareness Month teaches people simple ways to protect themselves online. This year’s theme, Stay Safe Online, is all about the simple ways to protect yourself, your family and your business from online threats. Small actions can make a big difference. That’s why we’re focusing on the Core 4. Four easy steps anyone…
Why Your Personal Auto Policy Might Not Be Enough If you use your personal vehicle to deliver food, groceries, or goods, your standard car insurance likely won’t cover you while you’re on the job. This is because most personal auto policies exclude accidents that occur during work-related activities. Without the right coverage, a single incident…
Job abandonment generally occurs when an employee fails to report to work for an extended period without notice to an employer. Ghosting most often refers to when job candidates drop out of the hiring process without warning; fail to show up for interviews; or even accept job offers, only to disappear before their start dates.…
Your personal characteristics and decisions influence how your insurance rates are determined. While you can’t control every risk factor, knowing what information insurers consider when setting premiums is a good step toward making choices that may positively influence your rates. Home Insurance Insurers look at property details and personal behavior when pricing home insurance policies.…
Fires are a significant risk to businesses in the construction industry. In addition to substantial property damage, they can cause serious injuries and death. One source of fires is spontaneous combustion, or spontaneous ignition, in which fires start without the presence of an external heat source. Several conditions, including the improper storage or disposal of…
Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the company’s evolving needs. Skipping this review can result in coverage gaps, leaving new business services, equipment or locations underinsured—or worse, completely uninsured. When done with the help of an insurance professional, an…
For over a decade, rising claim frequency and severity have diminished underwriting profitability and generated hardened conditions across the commercial auto insurance segment. Key factors contributing to these market difficulties include surging accident expenses, costly litigation and increasingly unsafe driving habits among commercial drivers. Consequently, the vast majority of policyholders have encountered significant rate hikes…
Understanding heat stress and heat-related illness can help maintain safety when working in hot conditions. Maryland’s heat stress standard (COMAR 09.12.32) went into effect on September 30, 2024. Maryland Occupational Safety and Health (MOSH) Heat Stress Standards apply to both indoor and outdoor workplaces where employees are exposed to a heat index at or above…
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Deeley Insurance Group
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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