Posted in Contractors Insurance, Maryland Insurance on Feb 28th, 2010
Contractors insurance is essential to have to protect your business and your personal assets. If you are acting as an independent contractor, this is even more important because chances are you are operating as a sole proprietor and therefore your personal belongings are at risk in a legal dispute.
Contractors insurance is very helpful and frequently [...]
Posted in Maryland Insurance, auto insurance on Jan 18th, 2010
If you are in an accident or your car breaks down, safety should be your first concern. Getting out of the car at a busy intersection or on a highway to change a tire or check damage from a fender bender is probably one of the worst things you can do. The Insurance Information Institute [...]
Posted in Maryland Insurance, liability insurance on Dec 31st, 2009
Slips, trips and falls in outdoor environments can be caused by rain, sleet, ice and snow, and particulate soil that causes surfaces to become slippery or produce poor traction. While we cannot control environmental conditions that increase slipperiness of outdoor walkway surfaces, we can certainly reduce the likelihood of falls through improved design of exterior [...]
Posted in Maryland Insurance, liability insurance on Dec 14th, 2009
Hidden liability comes along with holiday festivities. For those who mix alcohol with corporate or private parties, proper insurance is essential.
Holidays can be fun times filled with office and private parties, but they can also be deadly with increased drunk driving this time of year. Anyone hosting a holiday party should take steps to limit [...]
Posted in Maryland Insurance, Workers Compensation on Nov 24th, 2009
HERE ARE SOME SAFETY TIPS TO KEEP IN MIND WHEN DECORATING YOUR BUSINESS FOR THE HOLIDAYS…
• Consider hiring a contractor for unusually dangerous installations such as locations which require work over large atriums, roof tops and leading edges subject to falls greater than 6 feet from the walking surface. Be sure to obtain certificates of [...]
Posted in Maryland Insurance, auto insurance on Nov 16th, 2009
Maryland is classified as a high risk state for vehicle collisions with deer, which if you drive and live in our area doesn’t come as a big surprise to you! The same holds true for most of our neighboring states including West Virginia, Pennsylvania and Virginia. Though not in the top ten, statistics show that [...]
Posted in Maryland Insurance, Workers Compensation on Oct 29th, 2009
Do you have any employees? Do you know the criteria used by the State of Maryland, or any other state, to determine whether someone working for you is considered an employee? Workers’ compensation laws vary greatly state by state, so be sure and call one of our Workers’ Compensation specialists today at 1-866-847-0449 and they [...]
Posted in H1N1, Health Insurance, Maryland Insurance on Oct 19th, 2009
If the flu becomes more severe this fall and winter, it is likely to be a prolonged and widespread outbreak that could require major changes in many areas of society, including schools, businesses, transportation, and government. To be prepared, government health agencies encourage individuals, businesses, and communities to consider the following:
• Talk with your local [...]
Posted in Flood Insurance Maryland, Maryland Insurance, Professional Liability Insurance on Sep 29th, 2009
The extensive damage caused by the water-main break in Dundalk last week has lead to many coverage questions and potentially erroneous interpretations.
Normally this type of loss should be considered a flood, and in order for there to be coverage there must be a Flood Policy in effect. This was confirmed by the Maryland Insurance Administration. [...]
Posted in College Student Insurance, Maryland Insurance on Aug 17th, 2009
A question parents and their college-aged children don’t ask, but we need to ask, is, “Will these college students be covered under their parents’ Homeowners and Personal Auto policies while they’re living away from home and attending school?” The answer may be, “Yes.” However, the answer may be, “No.” And, sometimes the answer could be, [...]